Investment advice to make your money work harder

There is no minimum level; you can buy shares for a few pounds! Our investment advice, however, is typically only cost-effective for investors with £100,000+ to invest. Bear in mind that investments can go up or down and you may not get back the full amount you originally invested, so it’s important to only invest what you can afford. Ensure you do not leave yourself short; as a rule of thumb it’s sensible to leave 6-12 months of monthly expenditure (plus any planned expenditure over the next few years) in accessible, deposit-based funds to act as a contingency against financial emergencies.

A pension is an investment specifically for retirement, which you cannot access until that point. You can invest up to about £1.07 million in a pension to withdraw 25% tax-free. A stocks and shares ISA allows you to invest £20,000 every year, tax-free, and you don’t pay tax when you withdraw (which you can do at any point).

ISAs and pensions are great tax efficient wrappers for individuals wanting to invest. Beyond that, your adviser will consider other products from a wide range of options available, that all have their own key features, benefits, and disadvantages. Once that is done we need to consider investment funds from across the whole of the market, so run specialist research to determine who we feel are the most suitable investment managers for you. We suggest a personalised strategy based on your goals, your timeline, and your attitude to risk, which our advisers will determine at your initial consultation. Your strategy is likely to be diversified across different geographical locations, asset types, and management styles, to ensure you don’t have all of your eggs in one basket.

Absolutely. Our investment advice usually centres around reviewing your existing plans across Share ISAs, Investment Bonds, and General Investment Accounts. You don’t have to be starting a new investment journey to check that your investments are performing as well as they possibly can be.

Yes. As we are independent, we have access to the whole of the market. Most investment managers now try to ensure that the assets underneath the bonnet of a portfolio are ethical, and run regular reports to determine just how ethical the portfolio is. However, where a client has a strict ethical preference, our whole-of-market research can determine the most suitable solution badged with an ethical mandate. It’s becoming more common now that people want to help make the world a better place, whilst also having the potential to achieve capital growth on their funds.