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Investment & Savings Advice

Why do I need to Invest?

To meet both short and long-term investment needs. Short-term needs may include saving for a car or a holiday, whereas long-term investment needs could be saving for retirement, school fees or providing capital for children as they grow up.

Helping you with your Portfolio

The various assets owned by an investor are called a portfolio. As a general rule, spreading your money between the different types of asset classes helps lower the risk of your overall portfolio underperforming.

Managing investments takes time. This is where we can help, both in advising you on your investment needs and assisting you in managing your portfolio.

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




Lifetime ISA Accounts

Since April 2017, any adult under 40 can 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 transfer 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




Individual Savings Accounts (ISAs)

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

In the 2018 to 2019 tax year, the maximum you can save in ISAs is £20,000

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

  • Junior ISA (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.



Investment Trusts

An investment trust is a company that raises money by selling shares to investors and then pools that money to buy and sell a wide range of shares and assets. Different investment trusts will have different aims and different mixes of investments.




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