Investments
Choosing the right investment is
never easy. This is a complicated area where you’ll
need professional advice and guidance more than ever.
You’ll need to consider:
- Your income tax position, both now and
in the future.
- The length of time for which you wish to invest.
- Whether you would like income or growth
- The effect of inflation.
- Lastly, but possibly most importantly, the degree
of risk that you are prepared to take.
Tax efficiency is often a primary concern and you’re
probably aware of the tax breaks that have been granted
to certain investments. In particular Individual
Savings Accounts (ISA’s) can provide tax free
income and tax efficient growth, but the amount that
you can invest is restricted.
ISA’s can invest in different
assets which suit your risk profile from cash to shares.
You can put £3,600 into a cash ISA but up to
£7,200 in an Equity ISA. If you are over 50,
however, you have a higher allowance and can invest
£5,100 in Cash or £10,200 in an Equity
ISA. There are so many different ISA funds available
it can give you a headache. Let us relieve the tension
and help select the one most appropriate for you.
National Savings are another option.
They provide some low risk savings bonds that
can meet some
people’s needs, but if you want a higher return
you might consider:
Distribution Bonds, Commercial Property Bonds, Managed
Bonds or Equity Bonds.
At MJB we can combine our expertise
with the latest technology for Portfolio Planning,
Fund Selection and Asset Allocation to deliver your
unique portfolio package. To view a chart which shows
the importance of Asset Allocation, please use the
links below:
Click here for .pdf version
Clich here for .xls version
Talk to us. Tell us your financial dreams; we could
make them a reality.
|
