Personal Investments
Everyone's confidence can be affected by periods of uncertainty in the stock market. Although these periods can be unsettling, they are usually brief. It is recommended that long-term plans be adhered to. History has proved that after every fall, we recover- for every downhill, there's an uphill!
But that's not the only thing to consider when investing, there's the matter of trust. When dealing with large investments, you need a professional and reputable collaborator.
All of our Independent Financial Advisers are regulated under the FCA (Financial Conduct Authority), so you know you're in good hands. But more importantly, there's accountability.
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Our recommended Investment Types
Pension
While income from ISAs is tax-free, pension income is taxable. However, the benefit of investing in a pension is that investors receive tax relief on their initial contribution at their highest marginal rate, up to a certain annual limit. It's worth noting that pensions cannot be accessed before the age of 55 too, leaving a lot of chance to the future right?
Individual Savings Account (ISA)
ISAs come in various forms such as cash, stocks and shares, and lifetime. The maximum amount you can invest in ISAs is limited each tax year, with the current overall allowance being £20,000. It's crucial to remember that tax regulations may change, and the advantages of ISAs will vary depending on personal circumstances.
Self-Invested Personal Pension (SIPP)
With a self-invested personal pension (SIPP), you have the chance to invest in various assets such as equities, unit trusts gilts, and commercial property. Additionally, a SIPP provides up to 45% tax relief on contributions and is exempt from capital gains and income tax, just like pensions! Our financial advisors will discuss if a SIPP can be a benefit to you.