When it comes to investing your money we are here to help you choose the right investment opportunities. We will provide investment advice that suits your situation and needs.
It is important that you select investment funds that are most likely to meet your needs. Funds vary widely in terms of risk, investment objectives, construction etc. It is our job to narrow down the choices and seek out the ones most suitable for you.
John Tamblin on 01539 741191 or 07880 795 710
At John Tamblin Financial Services, we always take the following steps:
Step 1: We always obtain a clear picture of your objectives, for example whether income, capital growth or both if required.
Step 2: We also determine time periods involved and the level of investment risk that you are happy to take.
Step 3: We must also consider the taxation consequences of various investments and the most tax efficient structure for your particular circumstances.
Step 4: Once we are satisfied that we have a total understanding of the above, we can start to select suitable products and investments.
Step 5: We will provide you with an annual review to make sure your investments are on track to meet your requirements.
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The most recognisable tax efficient investment that most people are probably aware of, are Individual Savings Accounts (ISAs) which are available in two forms:
• Cash ISAs
• Stock and Shares ISAs
Individual Savings Accounts (ISAs) are tax-free Savings accounts which means individuals do not have to declare any income or capital gains they receive to the Taxman. Individuals can save up to £15, 000 each financial year. A financial year runs from 6th April until the 5th April the following year.
NB. Investors do not pay any personal tax on income or gains, but ISAs do pay unrecoverable tax on income from stocks and shares received by the ISA managers.
However, there are also other forms of tax efficient investments that some potential investors may not be aware of, and these are:
• Venture Capital Trusts (VCTs)
• Enterprise Investment Schemes (EISs)
Investment products such Venture Capital Trusts and Enterprise Investment Schemes can provide extremely valuable tax breaks such as income tax relief, capital gains tax deferral and tax free income, regardless of an individual’s tax banding where appropriate.
Other investments to consider that have potential tax benefits are:
• Onshore and Offshore Investments
• Structured Investments
• Open Ended Investment Companies (OEICs)
• With Profit Investment Bond
• Unit-Linked Investment Bond
• Please be aware of the nature of risk involved with investments and that the value of your investment may go down as well as up.
• Past performance is not necessarily a guide to future returns and therefore it is possible that you may not get back the full amount invested.