Investment Planning

We recognise the need for you to retain some of your money in the bank or building society for short-term requirements and possible emergency spending.

However, from an investment point of view, whereas deposit based investments provide capital security, over the longer term, the value of money invested in this way may fall in real terms, due to the effects of inflation. 

For the medium and long term, there are many alternative ways to invest your money, that will make your money work much harder for you and sometimes in a more tax efficient way. 

It is therefore vital that you seek independent financial advice, whether you wish to invest for future growth, generate an income or a combination of both.

Our approach is to look carefully at your "attitude to investment risk" and then to tailor an investment approach which matches this.

Advice can be provided on the following areas:

-    Investing for income and/or Capital Growth.
-    ISA Planning, transfers and investments.
-    Investment Bonds (‘Offshore’ and ‘Onshore’)
-    Enterprise Investment Schemes (EIS)* and Venture Capital Trusts (VCT)* 
-    Unit Trusts - utilising Capital Gains Allowances (CGT)
-    Tax planning – using any combination of the above.

* These are high risk investments, which are not suitable for everyone. Advice should be sought before investing into either of these vehicles. 

For more information contact us.

Remember:  the value of your investment can go down as well as up and you may not get back the full amount invested.