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HB Cranfield
Main Areas of Advice

Investment Planning

Bespoke investment solutions should encompass different investment vehicles each of which will have specific characteristics beneficial to meeting a clients current financial needs, future objectives and tax position. A diversified investment portfolio is essential to help control risk and potential financial loss.

Investment Planning
Investment Planning

Investment – The Main Options

This is an at-a-glance guide intended to give you a quick snapshot of all the different investment vehicles that HB Cranfield Wealth Management will review and advise on:-

  • Bank and Building Society Deposit accounts
  • Cash ISAs 
National Savings have a number of different instruments:
  • Fixed Interest Savings Certificates
  • Index-Linked Savings Certificates
  • Income, growth and Children’s bonds

Asset-backed investments can be held in:

Stocks and Shares ISA's

  • You can invest the full £20,000 per year in the 2017/18 tax year. The Stocks and Shares ISA must include a stocks and shares element, often unit trusts, OEIC’s or Structured Investments (see below).
Unit trusts / OEIC’s
  • Lump sum or regular investment
  • Collective investments run by professional fund managers
  • Tax efficient medium to long-term investments for growth and income
  • Broad spread for greater security
  • Units priced on the basis of the value of the underlying investments
  • Income distributed or re-invested
  • Income and gains liable to tax unless held in an ISA
  • Annual Capital Gains Tax exemption to offset
  • Open-ended
Investment bonds (Onshore and Offshore)
  • Single premium (i.e. lump sum investment)
  • Medium to long-term investments
  • Tax efficient “income” withdrawals possible
  • No personal liability for basic rate Income Tax or Capital Gains Tax
  • Can be effective for managing an individuals overall tax liability.

Structured Investments

  • Lump sum, often fixed term investments
  • Contract terms fixed at outset
  • Often linked to the performance of stockmarket indices
  • Usually offer some protection against market volatility
  • Profits can be subject to income or capital gains tax depending on the contract
Risk Warning: - All asset-backed investments can go down in value as well as up. Past performance is no guarantee of future performance.