Investment

An Individual Savings Account (ISA), is a financial product that allows you to save or invest money while allowing people to earn tax free interest, while also not having to worry about dividends or capital gains tax. There are many different ISA options that are available, with different limits on deposits. When putting money away, it is important that we analyse your financial goals to find an account and strategy that takes full advantage of the tax free interest rate available with an ISA allowance.

There are many different general savings accounts out there, and they all have their own benefits and pitfalls. Unlike Individual Savings Accounts, General Savings Accounts don't allow for tax free interest and can be subject to capital gains tax, so it's important to analyse every option. The right account for you will depend entirely on your personal circumstances, and your financial adviser will work with you to discuss each option available to find a savings account that is going to provide the best savings rates, with terms that will work for you.

On Shore Bonds are investment products that are also technically considered to be life insurance products. As they are taxed under UK corporation tax rules, they can be tax efficient for people who are high rate tax payers. The bonds can be used as long-term investments, estate planning and also generating income. Our financial advisers can help to assess your suitability, manage withdrawals in a way that is tax efficient and ensure that the bond aligns with your overall financial and savings goals.

An Off Shore Bond is a life insurance policy that is offered by providers that are based outside of the UK - they allow for investments to take place across a wide range of assets with the added benefit of tax deferral. These bonds offer flexibility, such as switching investments without immediate tax liability and assigning the bond for estate planning purposes. A financial adviser can help you to structure offshore bonds tax-efficiently, manage reporting obligations and ensure they fit your long-term financial and residency plans.

Investing in Venture Capital Trusts involves investing in small, early-stage or mid-size businesses, in return for significant tax advantages. Venture Capital Trusts are subject to higher risk than other forms of investments, however they have benefits such as income tax relief, tax free dividends and no capital gains tax. Working with one of our financial advisers means that we can asses your individual circumstances for risk tolerance, work with you to select suitable Venture Capital Trusts and ensure that they fit in with your broader investment strategy and tax planning.

The Enterprise Investment Scheme is a government backed initiative that encourages investment in high risk, young companies, by offering generous tax relief. This includes income tax relief, capital gains tax deferral, loss relief and exemption from inheritance tax if you've held your shares for a specified amount of time. When working with us, we can help you navigate the complexities of the Enterprise Investment Scheme, assess suitable opportunities and make the most of the tax advantages that are available to you.

Deposit based savings accounts provide a low-risk method for storing funds while also earning interest. There are different types of accounts available from instant access savings accounts, to fixed term savings accounts where the money is locked away in exchange for a more favourable interest rate, or even a Cash ISA where it is possible to earn tax free interest. These accounts also benefit from being covered by the Financial Services Compensation Scheme, however, a financial adviser can guide you with the decision and help you secure a financial future that is best for you.