Investing for your future
Tell us about your goals, we’ll help you work towards them.
Taking control of your financial future is one of the smartest moves you can make—and the sooner you start, the better. The longer your money has to grow, the greater the potential rewards may be.
While no one can predict the future, that shouldn’t stop you planning for it. Whether it's buying your dream home, retiring comfortably, or building long-term wealth, we’re here to help you invest your money in a tax-efficient way.
Investing
We’ll help you understand your current situation and potential needs, recommending the best options for you from our carefully chosen range of solutions.
SIPPs
Self-Invested Personal Pensions (SIPPs) offer a flexible, tax-efficient way to potentially grow your money for the future. Your adviser will assess whether a SIPP is suitable for you and if it is, will recommend the right investment option, tailored to your specific needs, the amount of risk you’re comfortable with taking, and your goals.
Individual Savings Accounts (ISA)
Individual Savings Accounts (ISAs) are great options for tax-efficient investing. Your adviser can provide more details and recommend the best option for you.
General Investment Accounts (GIAs)
GIAs may offer a flexible alternative to your pension and ISA. With no limits on how much you can invest or withdraw (1), they could be ideal if you’ve maxed out your pension or ISA allowances and want to invest more. You can choose to invest a lump sum, a regular monthly amount, or both giving you plenty of options to choose.
The retirement 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.
(1) However, any profits made when you sell assets held in a GIA above your Capital Gains Tax (CGT) allowance could be subject to Capital Gains Tax and you may incur income tax on any interest received above your Savings Allowances, or tax on any dividends received above your Dividend Allowance. You may also need to report these via HMRC self-assessment.
Your adviser will consider the most suitable arrangements for your investment and individual needs, as what’s right for each person will depend on their individual circumstances. The tax treatment also depends on your individual circumstances and may be subject to change in the future.
Investing with a plan built around you
Investing isn’t one-size-fits-all—it should reflect your unique journey. That’s why a personalised approach is key.
Your adviser will take the time to understand your vision and build a long-term investment strategy that aligns with your goals and willingness to take risk.
Plus, you’ll have access to top-tier investment opportunities through our trusted partner, Schroders.
The value of investments and the income from them can fall as well as rise and are not guaranteed. Investors might not get back their initial investment.
Want to give your children or grandchildren a financial head start?
They’ll thank you for it later.
We’ll recommend the right investment strategy which aims to build a nest egg for their future.
Investing for your future begins with a simple conversation.
Arrange a chat with one of our advisers today - no obligation, no fees to pay until you’re ready to put your plan into action.