Savings and Investments

Many of our clients share the key objective of building the value of their capital, but their approaches to savings and investments will vary widely.

As a client of ours, you will have access to our detailed Attitude to Risk profiler. Your responses to some simple questions allow us to establish your attitude to risk versus reward, which we can use to create an investment strategy that matches your outlook.

For example, an 'adventurous' client may be happy to take greater risks with their money, in the hope of receiving greater returns. If you are more 'cautious', you may be happier with lower returns and a greater degree of security.

By matching your investments to your attitude to risk, you can be sure that the products and funds chosen are right for you.

Our products include Managed Funds from Intrinsic Asset Management. These funds are regularly monitored by our chosen fund manager, New Star, which has an excellent reputation in the fund management world.

Continuous monitoring ensures that poorly performing assets are quickly replaced and returns meet the expectations set by our investment committee.

For more experienced investors, we also offer the opportunity to choose external managers and funds that you feel meet your investment objective.

We can review your investment strategy and portfolio on an ongoing basis, amending and rebalancing as your circumstances change. By offering you experience, quality and flexibility, you can look forward with confidence to building a long-term investment strategy.

Individual Savings Accounts

Every tax year end marks the end of an annual opportunity to take advantage of one of the few tax benefits now available.

The ISA was introduced in 1999 to encourage individuals to save by providing a wrapper into which they could place different investments, such as stocks, cash and insurance. The big advantage is that all returns are tax-free, so any investment held within an ISA will not be liable for capital gains or income tax.

Investment Bonds

Insurance companies offer investment bonds that can be linked to funds invested in equities, fixed interest funds, property funds, or with-profit funds. They also offer a high degree of income flexibility in that it is possible to withdraw a monthly income at a level determined by each investor. This can be a very attractive feature provided care is taken to ensure that income withdrawn is no greater than the returns generated by the fund.