Investment Planning
Our investment strategy is based on understanding your needs and providing flexible investment options to help you to meet your financial goals. We’ll take the time to find out about your personal financial goals and how you feel about risk. That’s how we are able to work out whether investing could be right for you, and if so, where and how much to invest.
Investing can offer you a good opportunity of growing your money over the longer term. A long-term approach to investing is generally accepted as being likely to provide the most benefit. Whether you start paying in to a personal pension, invest in an ISA or invest on behalf of your children, the earlier you start the better.
Both saving and investing can be used to meet both short and long-term financial needs. Short-term needs may include saving for a car or a holiday, whereas long-term investment needs could be saving for retirement, school fees or providing capital for children as they grow up.
A financial adviser can offer expertise and objectivity when choosing to save and invest wisely; helping you find the most appropriate solution for your current circumstances. It is always good to take the effort to ensure you are as informed as possible.
Investment Strategy
Your investments will be diversified across a range of assets to ensure we maximise any opportunities, while managing risks in line with your requirements.
Environmental, Social, and Governance (ESG) refers to the three central factors in measuring the sustainability and societal impact of an investment in a company or business. We are committed where possible to the integration of ESG factors in our investment process and are delighted to offer this as an option for those that would like to explore ESG investments in greater detail.
The various assets owned by an investor are called a portfolio. As a general rule, spreading your money between the different types of asset classes helps lower the risk of your overall portfolio underperforming.
Planning investments takes time. This is where we can help, both in advising you on your investment needs and your portfolio.
Please contact us so that we may assist you in determining or enhancing your investment strategy most appropriate for your needs and circumstances.
Individual Savings Accounts (ISAs)
You can save tax-free with Individual Savings Accounts (ISAs).
In the 2023 to 2024 tax year, the maximum you can save in ISAs is £20,000
There are a number of different types of ISAs, shown below:
- Cash ISAs
- Stocks and Shares ISAs
- Innovative Finance ISAs
- Lifetime ISAs
Each tax year you can put money into one of each of the above kinds of ISAs if required. The tax year runs from 6 April to 5 April.
You can save up to £20,000 in one type of account or split the allowance across 2 or 3 types (be aware that the Lifetime ISA has a lower subscription limit within the overall £20,000 limit).
Junior ISA or “JISA” (under 18s)
This is a separate ISA for under 18s who don't hold a Child Trust Fund (CTF). A child with a CTF may choose a JISA instead if they first transfer their CTF funds to a JISA and close the CTF. The maximum subscription in 2023/24 is £9,000 (CTF or JISA).
The value of investments can fall as well as rise and you may not get back the amount originally invested.
An investment in a Stocks & Shares ISA will not provide the same security of capital associated with a Cash ISA.
The favourable tax treatment of ISAs may be subject to changes in legislation in the future.