SAVINGS AND INVESTMENTS

Almost everyone has a general need for savings and investment throughout life. Those who do not have accumulated capital need to build it by savings from income; those with existing capital need to invest if to fulfil their investment objectives at an acceptable and prudent level of risk. The range of alternative forms of savings and investments available in the marketplace is enormous. Each investment can be categorized into different levels of risk and tax treatment. We can help you to make the most of your savings and investments whether you require growth or income. We will help you to understand the various options available and explain in plain English the level of risk attached to an investment. If you have received inheritance, compensation payment, pension scheme lump sum, maturing investment or simply accumulated capital form savings it is a wise decision to contact us and we will guide you through the important decision of where to place your capital.

Whether you are seeking to invest a lump sum or save on a regular basis, managing risk in the increasingly diverse and complex investment market is very important.

We can offer advice across a wide spectrum of investments for example:
Individual Savings Account (ISAs)
Annuities
Guaranteed Income and Growth Bonds
Insurance Bonds
Investment Trusts
National Savings Products
Offshore Funds
Regular Savings Plans Unit Trusts
OEICs

What is an ISA?

An Individual Savings Account (ISA) is an investment that shelters your savings from income and capital gains tax, and which can provide you with tax free income or capital growth. You can choose from a wide range of investments including cash, stock market investments and life insurance.

There are three types of ISA - the Maxi, the Mini and the TESSA-Only. It is important that you consider your options carefully before committing yourself as you cannot have a maxi and a mini ISA in the same tax year. To help you Contact us

Long-term Care

Long Term Care is required when a person becomes ill or suffers a disability that makes them unable to perform certain 'activities of daily living' (ADL's). Hundreds of thousands of pensioners in the UK need Long Term Care, where savings and assets exceed a certain amount they are not entitled to any help from the State - for some people the only option is to sell their home. This is a relatively new market, we have the experience and knowledge in this area that will help you to understand Long Term Care and how it can benefit you and your family.

The value of your investments can fall as well as rise. Past performance is not a guarantee to future returns