Investments

WHY CAPITAL & INCOME SOLUTIONS  FOR INVESTMENT ADVICE? 

 

Whether you need advice on building up a Pension fund for your future retirement or setting up an investment plan for the short, medium or long term, it is essential that you choose an adviser firm that can offer you a suitable product from the whole market place.  We are not tied to any one company and will recommend a provider only after having first established your specific individual needs.

We will complete a full financial analysis before making a recommendation.  Whether it be Pensions or Investments, we will establish your investment risk rating and ensure that the provider we recommend can accommodate a portfolio of funds which will match your risk profile, whether you be a cautious, balanced or adventurous investor. 

Ongoing we will review your Pension or Investment on a regular basis ensuring that the underlying portfolio continues to match your risk rating in the future.

 What is investment diversification? 

In order to reduce investment risk we recommend our clients invest in Collective Investment Schemes which offer individuals access to a wide spread of asset classes backed with professional management.  These asset classes include Cash, Fixed Interest Securities, Commercial Property Funds and Equity Funds.  The final mix will depend on the client’s initial risk rating i.e. a more adventurous investor will have a higher proportion of exposure to Equity Funds than a Cautious or Balanced Investor.  This diversification helps reduce risk.

 What specific type of investment do you  recommend? 

When recommending an investment portfolio for our clients, apart from investment risk we also take into consideration our clients investment goals.  For example for how long do they wish to invest?  Do they require income or capital growth?  We also take into consideration underlying taxation issues to make sure that any investments are as tax efficient as possible.

 

INDEPENDENT PEP/ISA REVIEW SERVICE 

Most of our clients have existing ISA/PEP portfolio’s which may have not been reviewed for quite some time.  These can be analysed to ensure that they still match our client’s investment risk profile.  If they don’t or the performance has been substandard we will recommend the benefits are transferred into a PEP/ISA provider which offers a suitable range of funds.  Although there is no guarantee that by transferring from one provider to the next, our clients will enjoy greater investment growth in the future, by recommending a provider that offers an Externally Managed fund range, we will ensure that the new portfolio is tailored specifically to match the investor’s needs.   

 

ENHANCED ALLOCATION INVESTMENT BONDS 

 

Other Collective Investments recommended include both “Onshore” and “Offshore” Capital Investment Bonds, OEIC’s and Investment Trusts.  Again we will only recommend a provider which offers a platform of Externally Managed funds in order to maximise investment choice.  We only recommend investment fund managers with a proven long term track record.

 What if I have money invested in a With Profit Bond? 

With Profit Bonds were very popular in the 1980’s and 1990’s.  As International Stock Markets struggled between 2000 and 2003, With Profit Bond providers had to drastically reduce bonuses in order to protect their long term investors.  Market Value Reduction factors were applied on clients encashing their investments and these reduced the surrender values quoted.  As a consequence many With Profit Bond investors did not encash their holdings and still they remain invested today.

Thankfully underlying International Stock Markets have virtually recovered all their earlier losses and most With Profit Bond providers have either fully withdrawn or drastically reduced the withdrawal penalties previously applied.  By re-investing into an alternative Collective Investment vehicle with a transparent charging structure and choice of different investment sectors and Externally Managed Funds, now may be an opportunity to return to your With Profit Bond provider and ask for a surrender quote.  

I have an existing Share Portfolio, can this be changed to a Collective Investment? 

Some of the providers we recommend offer a “Share Exchange” facility whereby they will exchange your shares for a portfolio of investment funds.  In most cases this can be done for no cost or at least reduced dealing fees.  By selling shares in say two or three companies and re-investing the same value into Collective Investments, greatly reduces your investment risk whilst still giving you exposure to underlying Stock Markets.

So briefly how would you sum up your investment service ? 

We take the time to carefully establish our client’s circumstances and financial needs.  Once we have established our client’s specific risk profile, and fully understand the investment goals, we will recommend a suitable provider offering a diversified portfolio of funds.  We will then prepare an investment report backing up our recommendations so that our clients can fully consider the benefits prior to making a decision.

For a free investment report please contact our specialist advisers for further information either by telephoning us on 0845 6039376 or complete the enquiry form below .  We guarantee an immediate reply in plain english..