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Investments & Savings

There are so many different ways to make your money grow and investing/saving can be the most financially rewarding. The right investment portfolio should reflect your tax position and align with your attitude to risk. It should further meet your requirement to generate income, growth or a combination of both.

Where requested, we will conduct a detailed personal review of your current financial position, aspirations and objectives. We will assess all of the above factors with you before making recommendations and we will meet on a regular basis to review and ensure your objectives are being met.

Some of the main investment/saving vehicles available are:-

NISA (New Individual Savings Account) NISAs are available to all UK residents over 18 years of age and cash ISAs are available to all UK residents over 16 years of age. ISAs benefit all taxpayers, as any income or growth received from these investments is TAX FREE.

Junior NISAs became available from 1 November 2011 with a current limit of £4,260 (tax year 2018/2019) for each eligible child per year as part of the Government's commitment to encourage parents/legal guardians to save for their children until they reach the age of 18.

Unit Trusts are a popular investment vehicle as they are 'open ended collective investments' which means that they allow private investors to pool their money into a single fund. This has the effect of spreading your risk across a range of investments, getting the benefit of professional fund management, and reducing your dealing costs. Different trusts have different investment objectives; investing for income or growth, in small companies or large, and in different geographical regions.

Investment Trusts are quite simply a company whose business is to invest in other companies. By buying shares in an investment trust, you are effectively gaining access to a wide share portfolio without the high costs this usually involves.

Unit Linked Savings Plans/Maximum Investment Plans are regular premium plans which buy units in various assets such as stocks & shares, commercial property, fixed interest and gilts.

There are many other ways to make your money grow and we are here to provide you with all the information you need to make an informed decision.

The value of your investments can go down as well as up and you may not get back as much as you paid in.