For some people, investing is about growing their money for the future, for others it’s about generating an income they can access now.
Many believe that you need to have a large lump sum put aside to start investing, well we can assure you, you don’t! However, you do need to be aware that unlike cash savings, investments values have a risk which means their values can fall as well as increase.
As Independent Advisers we are not tied to any products or providers. We invest time researching the whole of the ever-changing market place enabling us to create your bespoke investment portfolio.
Stock market performances are unpredictable. Successful investing is all about a longer-term view, which does mean an element of risk to your money.
Your wealth might involve businesses, property and investments in the UK and abroad that require specialist considerations. By diversifying your investments, we can select assets that behave in different ways in order to maximise your returns.
Regardless of whether you’re keen on safe, secure money management, or want to seek out higher returns from more ambitious wealth creation opportunities, we’ll use layer upon layer of market knowledge to get you the sensible, effective and rewarding investment plan you’re after.
Deciding at the outset what you want your investment to achieve is very important as there is a vast amount of choices available as well as deciding on over what timescale. These factors are important as they will help determine where to invest your money.
Whether you’re new to investment, or consider yourself a seasoned stock market investor, want to put away regular amounts or have a lump sum to invest.
However, the good news is that expert planning can legitimately reduce the tax payable, allowing you to pass on more of your assets to your family as you’d intended. We can advise you on ways in which you can legitimately reduce the amount of IHT that would be payable on your estate.
IHT is payable on money, savings or any other assets in your estate, and potentially on some gifts you make during your lifetime. If the estate is liable for IHT, it is payable at 40 per cent. With property prices having risen over the last few years, you don’t have to be hugely wealthy to be affected by Inheritance Tax (IHT). More families are calculating the value of their estates and finding they have a greater liability than they’d thought.
*The Financial Conduct Authority does not regulate taxation.