Investments

Capital sums for investing are acquired in many ways. These include inheritance, maturing savings policies, windfalls and proceeds from many years of saving. Investment types and requirements can be divided into short and long term needs.

Short term investment needs:
These include saving for a car or a holiday. The most suitable investment type is usually a deposit account such as a bank or building society account.

Long term investment needs:
These can be saving for retirement, school fees or providing capital for children as they grow up. You may wish to consider savings other than bank deposit accounts for longer term needs. Whatever the investment type, you'll need to consider a number of important factors including ease of access to funds, charges and any tax implications.

THE VALUE OF INVESTMENTS AND INCOME FROM THEM MAY GO DOWN. YOU MAY NOT GET BACK THE ORIGINAL AMOUNT INVESTED.

Please contact us so that we may assist you in determining an investment strategy best appropriate for your needs and circumstances.


Lifetime ISA

Lifetime ISA accounts

From April 2017, any adult under 40 will be able to open a new Lifetime ISA. Up to £4,000 can be saved each year and savers will receive a 25% bonus from the government on this money.

Money put into this account can be saved until you are over 60 and used as retirement income, or you can withdraw it to help buy your first home.

The value of investments and income from them may go down. You may not get back the original amount invested

ISA

Individual Savings Accounts (ISAs)

You can save tax-free with Individual Savings Accounts (ISAs).

In the 2017 to 2018 tax year, the maximum you can save in ISAs is £20,000

There are a number of different types of ISAs, including:

  • Junior ISAs (under 18s)
  • Cash ISAs
  • Stocks and shares ISAs
  • Innovative finance ISAs
  • Lifetime ISA

Each tax year you can put money into one of each kind of ISA. 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.

The value of investments and income from them may go down. You may not get back the original amount invested.

Tax treatment depends on the individual circumstances of each client and may be subject to change in future.

Unit Trusts

Unit Trusts

A unit trust reduces your risk of investing in the stock market by pooling your savings with thousands of others, and then spreading the money across a wide range of shares or other types of investment.

OEIC

OEICs

Open ended investment companies were introduced into the UK in 1997, from Europe. Open-ended means shares in the fund will be created as investors invest and cancelled as they cash in.

Investment Trusts

Investment Trusts

Investment Trusts are companies that buy and sell shares in other companies. When you invest in an investment trust company, you become a shareholder of that company. Your shares will rise and fall in value according to supply and demand for the shares.

Unlike a Unit Trust and an OEIC, the number of shares within an investment trust is limited (there are only so many that can be bought and sold at any time).

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