With interest rates at an all-time low, it’s vital to seek out better returns and ensure the tax efficiency of your investments. We can advise you on using your full personal allowances to maximise the value of your savings and equally as important, we can model a portfolio of funds for you which will be within your agreed risk profile, using the very sophisticated research tools we have at our disposal.
You have an annual allowance of £15,240 for an Individual Savings Account (ISA) and this is a “use it or lose it” tax break. We can help show you how you can have the potential for significantly better returns by taking just a little more risk and moving out of cash to stocks and shares ISAs.
We can also use the same tools to consider which is the next best place to invest your money, looking at both income and capital gains taxation and the risk level, and also off-shore as well as on-shore investment providers.
Are you looking for income or growth? Should your investments be on a single or joint life basis? Should they be placed in a suitable Trust to ensure the correct people benefit? Would Unit Trusts or Open-Ended Investment Companies (OEICs) be better for your needs?
All of these are questions we can answer for you so that you have the best possible chance of your money working as hard as you do and producing the results you require.