Investments

Investing money needs careful consideration and you need to be absolutely sure of the risks involved. This section provides generic information on different types of saving & investment. You should seek advice appropriate to your specific circumstances prior to making any decisions.

The value of your investments can go down as well as up, so you could get back less than you invested.


Investment Overview

Investment Overview

This document looks at the different investment vehicles available to the individual investor together with the key points to note. This is an at-a-glance guide with more detailed information being contained in the other documents on this page. The value of investments and income from them may go down. You may not get back the original amount invested and the levels, basis and reliefs of taxation are subject to change.

Deposit Based Investment

Deposit Based Investment

In this document we look at all the various deposit based investment vehicles available in the marketplace today and what they mean to the individual investor.

Individual Savings Accounts (ISAs)

Individual Savings Accounts (ISAs)

Under the so-called 'New ISA' (or NISA), Cash ISAs and Stocks and Shares ISAs have effectively been merged, with the overall combined limit in 2019/20 at £20,000, while several new ISA variants, offer savings "bonuses".

Asset-backed Investments

Asset-backed Investments

Here we attempt to explain in simple terms all the different asset backed investments open to the individual investor, from contribution levels right through to taxation treatment of each investment.

Nobody likes to pay tax and many investors will want to mitigate the imposition of income tax and capital gains tax that they have already suffered and inheritance tax that their estate is going to suffer in the future. 
We are able to offer a range of planning strategies and investments to help those clients meet their goals within the range of what they can afford.

 

Markets

BT Group, Vodafone and Lloyds are some of the most attractively-valued UK companies to invest in, according to Morningstar's Alex Morozov.
I think these two FTSE 100 (INDEXFTSE:UKX) shares could deliver superior income returns to a buy-to-let property.