Investment
Making your capital work for you along the way
Ensuring you have funds available at the right time
Investments form an important part in achieving your future goals and getting the most out of them is important. Whether you’ve accumulated capital from spare income, the sale of property or you’ve had an inheritance, making it work for you is vital.
Have you thought about having different investments to target different needs or timescales? Again, this is something we consider when building a plan for your future.
We can use investments to help fill the gap between the start of your retirement and when you draw your pensions, particularly if you have a penalty for accessing your pensions too early. They can also have shorter-term goals like funding University fees or your children’s weddings. Whatever your needs we can build them in to your plan.
Ensuring you have funds available at the right time
Investments form an important part in achieving your future goals and getting the most out of them is important. Whether you’ve accumulated capital from spare income, the sale of property or you’ve had an inheritance, making it work for you is vital.
Have you thought about having different investments to target different needs or timescales? Again, this is something we consider when building a plan for your future.
We can use investments to help fill the gap between the start of your retirement and when you draw your pensions, particularly if you have a penalty for accessing your pensions too early. They can also have shorter-term goals like funding University fees or your children’s weddings. Whatever your needs we can build them in to your plan.
Choosing the right investments for your needs
To give you an idea of how we select appropriate investments. We start with your objectives and the level of risk you are comfortable with, then we match this to your time horizon. Once we’ve established the correct investments to meet your objectives, we then select the most appropriate tax wrappers to hold your investments in.
There are typically 2 parts to an investment. There are the assets that you have chosen to invest in, this is where the returns come from, and then there is the tax wrapper that it is held in. A Stocks & Shares ISA is a good example of this. An ISA is a tax efficient product that holds an underlying investment. So, when people say they don’t like ISAs they are probably unhappy with the investment performance of the assets they hold, and not the fact they don’t like tax efficient investments. Everyone likes tax efficient investments, don’t they? This analogy can also be applied to other tax wrappers, particularly pensions.
Choosing the right investments for your needs
To give you an idea of how we select appropriate investments. We start with your objectives and the level of risk you are comfortable with, then we match this to your time horizon. Once we’ve established the correct investments to meet your objectives, we then select the most appropriate tax wrappers to hold your investments in.
There are typically 2 parts to an investment. There are the assets that you have chosen to invest in, this is where the returns come from, and then there is the tax wrapper that it is held in. A Stocks & Shares ISA is a good example of this. An ISA is a tax efficient product that holds an underlying investment. So, when people say they don’t like ISAs they are probably unhappy with the investment performance of the assets they hold, and not the fact they don’t like tax efficient investments. Everyone likes tax efficient investments, don’t they? This analogy can also be applied to other tax wrappers, particularly pensions.
What we specialise in
Legacy Planning
Passing your wealth
down the generations
Protection
Protecting you and your family
against the unexpected
Pensions
Bringing your retirement
plans to life