Savings and Investments - Regular Savings Plans, Lump Sum Investments, ISAs
01252 788899Savings and Investments
ISAs, Lump Sum Investments, Regular Savings Plans, Bonds, Unit Trusts/OEICs, School Fees Planning
Clients are generally either in a wealth accumulation or a wealth preservation phase, usually depending upon age. We are able to advise our clients regarding the most suitable options for them.
The first step is to establish the client's personal financial goals, both generally and specifically, for example:
- To save their excess income for a particular purpose
- To preserve wealth
- To save tax
- To produce additional income from investments
- To produce regular sums from investments, for example for school fees planning or supplementing retirement income
Taking into account these goals, we also consider a number of other factors including the personal circumstances of the investor, their tax position, the proposed term for savings and investment plans, and the level of investment risk that the client is prepared to undertake. We are then able to recommend suitable savings and investment programmes.
Savings and investment plans might include tax efficient “wrappers” such as ISAs, Bonds, Unit Trusts and Open Ended Investment Companies (OEICs).
Depending on the size of the investment, the level of investment risk and the level of diversity required, we are then able to recommend suitable savings and investment providers. As Independent Financial Advisers, this would be selected from the "whole of the market".
We would recommend a suitable asset allocation strategy (split between the different asset classes e.g. equities, fixed interest and cash) and also individual funds within the different classes.
Where appropriate, we are able to access some of the largest fund supermarkets, offering an enormous range of investment opportunities.
In certain circumstances, we may recommend that you consider utilising the services of a professional investment manager in respect of the investment management function. However, Pensions & Wealth Planning would continue to advise you regarding your wider financial planning requirements.