Investment Advice Nottingham

Investment Advice Nottingham - The emotions behind investment

Planning your Investments

If you want help with your investment plans and are looking to achieve simplified, sensible, tax efficient, diversified investments which reduce volatility and maximise gains; we can help you plan your investments.

Creating an Investment Plan

You need a plan for your investments to help you deliver potentially greater gains than can be achieved from cash deposit accounts over the medium to longer term. At the same time, you want to know that your investments are sensible and safe. It is never too early to start to plan because time passes more quickly than you can believe and the earlier you start to plan the easier it will be to reach your goals.

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Reviewing your Investments

If you have accumulated a number of investments over the years, or feel that you have too much money in cash which is not keeping up with inflation, having a full review of what you have could help you simplify and improve your investments in the quickest possible way.

Stocks and Shares Individual Savings Accounts (ISAs)

This is a tax-free way to save in which you are allowed to invest £20,000 each per year. Stocks and share’s ISAs invest in the stock market, usually in collective funds and can potentially give better returns than a cash ISA or cash deposit accounts over the medium to longer term but with a higher risk depending on the level of risk you choose.
You can invest regular monthly amounts or adhoc lump sums and you can also withdraw regular or lump sum amounts, there are generally no penalties on withdrawal.

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General Investment Accounts (GIAs)

This is a potentially taxable way to save (similar taxation to bank accounts) in which you are allowed to invest any amount and are usually used for investment when you have used up all of your ISA allowances. GIA’s invest in the stock market, usually in collective funds and can potentially give better returns than cash deposit accounts over the medium to longer term but with a higher risk depending on the level of risk you choose.
You can invest regular monthly amounts or adhoc lump sums and you can also withdraw regular or lump sum amounts, there are generally no penalties on withdrawal.

Investment Bonds

This is a tax-efficient way of investing for certain circumstances and for when you want to use a trust for various reasons including Inheritance Tax Planning. You are allowed to invest any amount. Investment Bonds invest in the stock market, usually in collective funds and can potentially give better returns than cash deposit accounts over the medium to longer term but with a higher risk depending on the level of risk you choose.
You can invest lump sums and you can also withdraw regular or lump sum amounts, there are generally no penalties on withdrawal.

We also advise on Ethical Investments which can be held in any of the above Investment vehicles.

Your investments form part of your overall Financial Plan and will take into account whether your aims are for Capital Growth or Income whilst maximising your available tax allowances efficiently including whether you prefer to target planning towards Income tax, Capital Gains Tax or Inheritance Tax Planning.

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Transparency

We aim to offer simplified, sensible and valuable advice with clear and transparent fees available to see on our website. Our aim is to ensure that you understand what our advice looks like and what it costs before you contact us for further information.

 

Contact Veracity

If you want a review of your investments or would like to understand more about investing your money; get in touch with our advisers to arrange an initial consultation.

Investment Advice Nottingham - phone 32