Saving schemes and investments - Scottsdale Consulting Ltd

Savings & Investments

Albert Einstein is reputed to have said:
"The most powerful force in the universe is
compound interest"

When we are asked to advise our clients on their hard-earned savings and investments, there are a number of important things we want to establish.

What is your attitude to investment risk?
How quickly do you need access to funds?
Do you have a particular ethical requirement?
What is your current tax status?
Do you require income or capital growth?

We ask these questions to help us clearly understand your aims and objectives and the amount of risk, if any, you are prepared to take with your investment. We can then make a personalised and tailored recommendation for your consideration.

Investment Types

ISAs (Individual Savings Accounts)

ISAs are tax efficient savings vehicles. All growth is free of capital gains tax and any income withdrawn is free of income tax. ISAs are available for both cash and equity investments.

Collective Investments

Unit Trusts, Investment Trusts and Open Ended Investment Companies (OEICs) allow clients to invest in a vast range of asset. They are not tax-free, but annual allowances are available to mitigate any capital gains tax (CTG) liability.

Some collectives are high risk investments so it is important that professional advice is sought.

Investment Bonds
(On-Shore and Offshore)

These are actually single premium life assurance contracts - although the life cover is minimal. This means that they offer certain tax benefits and are often used as trustee investments.

Switching between investment funds within an investment bond is usually free of charge and does not trigger a tax charge.

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Regular withdrawals of up to 5% of the amount invested are not immediately chargeable to tax, although in some circumstances they may increase the tax payable when the bond is finally encashed.

The rules are complex so it is important that professional advice is sought.

National Savings, Friendly Societies, Premium Bonds

There are a whole range of savings opportunities available that we will are able to advise on.

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