Personal Investments

Asset Allocation

One of the key areas we can help you with in your investment aims is to help you maximise your return for any given level of risk or alternatively reduce the risk for any given level of return. Simply put it’s making sure you don’t “put all your eggs in one basket”.

Attitude to risk

We make sure that we discuss with you, and fully understand, your attitude to investments and investment risk. It is very important that the money you invest, whether it is through a private portfolio or your pension plan, is done so under your control and in line with your instructions.

We will assess your attitude to investment risk to determine whether you feel a cautious or an aggressive approach is suitable. Or a mixture of both.

Through regular one to one personal consultations we regularly review your chosen investment portfolio with you to ensure that actions are taken to react to any change in your attitude to investment risk or a fund performing outside of that expected.

Tax wrappers (ISAs; Offshore/Onshore Bonds; OEICS/Unit Trusts)

Tax wrappers are the vehicles into which you place your investments and savings. Different wrappers will have different tax treatments and are suitable for different types of investors depending on their needs.

A pension for instance is a wrapper which provides tax relief on contributions at source, tax free growth, normally up to 25% of the fund as a tax free cash lump sum at retirement with the income from the remaining fund being subject to income tax.

An ISA wrapper does not give tax relief at source, but does provide tax free growth and income, and access to the fund tax free at any time.