Call 01798 872323

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 – 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 
  

• 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).
  

• 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

• 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