Invest for the future you deserve
We believe planning for your financial future is one of the best investments you can make.
Whether you're looking to invest your money to buy a house or save for your retirement, we aim to help you build your long-term wealth in a tax efficient way. Whatever your goals, a financial plan could help you achieve them.
Invest for your future and make your money work harder in the long-term
Self-Invested Personal Penson (SIPP)
Self-Invested Personal Pensions (SIPPs) provide a tax-efficient, flexible way to save for your future. We will work with you to identify the right savings structure for your pension. We will also consider suitable types of investments, in the right proportions for your preferred level of risk, aiming to produce the most appropriate level of long-term financial return.
Other tax efficient accounts
Pensions are not the only option when it comes to saving for your future. You could consider investing in Individual Savings Accounts (ISAs) or onshore and offshore bonds; all of which could provide a tax-efficient income and/or a lump sum. Tax treatment depends on the individual circumstances and may be subject to change in the future which your adviser will explain.
General Investment Account (GIA)
GIAs offer an alternative and flexible savings option to your pension and ISA allowance. There is no limit to how much you can invest or withdraw which makes it a useful option for those who have used up their pension and ISA allowances and have more to invest. There are a variety of investment opportunities available and you can invest a regular monthly amount, a lump sum – or both.
Remember, the benefits you receive from your pension plan depend on a number of factors including the value of your plan when you decide to take your benefits which isn't guaranteed and can do down as well as up. The benefits of your plan could fall below the amount(s) paid in.
The importance of diversification
Diversification is one of the key concepts of investing. It’s an effective way of reducing the risks associated with investing by combining a variety of assets within an investment portfolio. Traditional wisdom says: don’t put all your eggs in one basket. A well-diversified portfolio can help to spread your risk exposure. And so, if one investment performs badly, it only accounts for a small proportion of your portfolio and therefore may not be too damaging for your overall wealth.
Let us help you invest with confidence
The value of financial advice
As well as practical and financial benefits, seeking financial advice could also help to improve your financial wellbeing. Not only could speaking to a professional financial adviser give you the skills to become more financially resilient, it could also help to offer valuable peace of mind.
The benefit of regular savings
Waiting until your savings seem big enough to warrant investing a large amount in one lump sum is an example of an investment approach that could cost you dearly. If you can afford to, investing regularly could help smooth out market ups and downs and be more profitable in the long-term.
Investing for the long-term
Long-term investing, of at least five years, requires planning and patience, and if you remain invested you have a better chance of riding out market ups and downs. If you’re prepared to be in for the long haul, you can give your money time to grow. Discover five tips for successful long-term investing.
The value of investments and the income from them can fall as well as rise and are not guaranteed. The investor might not get back their initial investment.
Do you have children or grandchildren?
Do you want to give them a financial head start in life? At Schroders Personal Wealth we can help you to choose the right solution to aim to build a nest egg for your children or grandchildren which they’ll likely thank you for in years to come.
Let's start with a free initial consultation
We'll begin with a free, no obligation conversation to understand if our service is right for you. There are no hidden fees or charges, and you’ll only pay if you choose to go ahead with the recommendations in your personalised financial plan.