There are many different types of savings schemes and investment opportunities, and deciding where to put your money is not an easy thing to do. Our team of investment experts will advise you as to the degree of risk and expected performance of each option.
Contact us to arrange a free initial no obligation meeting to discuss how we can help you maximise your position.
Tax Smart Investments
Get maximum tax-free returns on your investments with the right mix of cash and equity plans. There are a wide range of savings and investment schemes that give tax-free returns:
- ISAs (Individual Saving Accounts) come in 3 types involving either cash or equity and allow investment of up to £7,000 a year.
- National Savings schemes comprise index-linked certificates, fixed interest certificates and premium bonds. You can invest up to £15,000 in each certificate scheme, plus £30,000 in premium bonds.
- Zeros (zero-dividend preference shares) are linked to investment trusts and pay out a pre-set return, provided the trust has performed to a specified level. They can provide a tax-free income of up to £8,800 per year by utilising your Capital Gains Tax allowance.
- VCTs (Venture Capital Trusts) offer the biggest tax breaks for those prepared to invest a high proportion in qualifying unlisted trading companies, including those listed on the Alternative Investment Market. Your investment can be up to £200,000 a year and is committed for at least 3 years.
- Enterprise Investment Schemes allow you to invest in a single qualifying firm worth less than £7 million before and £8 million after making the investment. If held for three years, your investment gain will not be liable for Capital Gains Tax.
Investment Portfolios
There are a huge range of investment options available to the investor and each option has a risk factor associated with it. The cautious investor may wish to play it safe with gilts or building society deposits, whilst a more adventurous investor may want to look at playing the stock market in the hope of a more dramatic return. In many cases, our advice is to spread the risk and to balance your risk against the potential rewards.
In order to find the right investment vehicle for your money, please take the time to get good independent advice. Contact us for a free initial no-obligation meeting to discuss how we can help you manage your investment portfolio.
Publications and Links
Please be aware that by clicking on some of the links below you are leaving the Almary Green website. Please note that Almary Green are not responsible for the accuracy of information contained within the linked sites accessible from this page.
Family Matters – child-friendly savings, Child Trust Funds
Corporate Investments
www.hmrc.gov.uk/isa - Details about ISAs
www.nsandi.com – National Savings Website
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