Investment planning
Investment planning combines a fine balance of your key financial goals, your attitude to risk, and mitigating your tax liabilities. Our approach to investing varies depending on if you are looking to meet short-term or longer-term goals.
As savings rates are currently as low as they’ve ever been, investment is a valuable alternative to help you save for you and your family’s financial future. Investing offers the potential to achieve higher returns over the long term, giving you a better chance of reaching your financial goals.
Helping you to achieve a brighter future
If you are looking to grow your money, our independent advisers will make proposals at a level of risk that you are comfortable with. Our advisers will recommend the right products to help meet your future goals and ensure you won’t pay more tax than you should.
Whether you’re looking to grow your finances to pay for your child’s schooling, higher education, or future marriage, fund your retirement, or increase your wealth for future generations, our advisers will identify the right investment planning strategy for you.
Why investment planning is important
If you have a spending plan for the future and your current savings aren’t growing to their best potential investment planning is crucial to ensure you have the best investment strategy in place to meet your future goals.
As there are so many different types of investment available, each with their own risks and opportunities, it can be difficult to decide which investment strategy is right for you.
AMFAs investment planners will help you structure your income and expenses to make room for investment capital and ensure you develop a high performance, diversified portfolio.
What options and advice do I have for investing?
ISAs
The first place to start in investment planning is with an ISA. They are the core product in most investment portfolios as they provide a simple, tax efficient way to save for the future.
Business property relief investments
Investments that qualify for BPR can be passed on free from inheritance tax upon the death of the investor, provided the shares have been owned for at least two years at that time.
Onshore or offshore bonds
With an onshore bond tax is payable on any gains, whereas offshore bonds no income or capital gains tax is required. It could also be useful if you are planning to move to a country where income tax is lower.
AIM portfolios
AIM portfolios are designed to exempt invested assets from Inheritance Tax liability whilst providing equity related returns and access to capital.
Trusts
Trusts can be used to help with inheritance tax. It is a legal method of protecting and managing your assets.
Tax efficient investments – VCT, EIS and SEIS
These are investment vehicles that attract income tax relief for individual investors as well as capital gains tax exemption.
Portfolio Management
Our expert advisers have decades of experience and can advise on and manage your investments to ensure they are growing and performing to their highest potential whilst also being tax efficient. We will consistently review your funds and ensure your investment portfolio is adapting according to the changes to the global economy.
EXPERT ADVICE ON INVESTMENT PLANNING
Call 02380 420 606 for a quick chat or contact us and we can arrange a no-obligation consultation.
Whenever you’re ready, we’d love to help.
