Category Archive for "Savings & Investments"
What are ethical investments?
Ethical Investment also known as sustainable, socially conscious, “green” or Socially responsible investing (SRI), is any investment strategy which seeks to consider both financial return and social good. In general, socially responsible investors encourage corporate practices that promote environmental stewardship,...
Read More What is a Discretionary Fund Manager?
A Discretionary Fund Manager is an Independent Fund Manager that runs a bespoke portfolio for individual clients.
What is an Offshore Bond?
This is a tax sheltered investment wrapper based outside of the UK, but available to UK investors. It offers certain advantages to UK investors and Trusts. The offshore bond allows greater tax efficiency as the growth on the bond ‘rolls...
Read More What is an Investment Bond
An investment bond is a single premium life insurance policy that can hold numerous investment funds in one place. The attachment of life insurance means trust planning is available. It is a long term financial commitment but has no fixed...
Read More What is Investment Diversification?
Investment Diversification is basically the art of spreading your investments around over a number of different ‘platforms’, protecting you from potentially losing a significant amount of your assets value in a market downturn. The sharp decline in stock prices in recent...
Read More What is a General Investment Account (GIA)?
A General Investment Account (GIA) is similar to a Stocks and Share ISA in that it is a form of savings kept with a banking institution for a stated period, with the exception that it has no tax-free benefits. It is a...
Read More What is a Financial Wrapper?
A Wrapper is a method of structuring investment portfolios in the most tax efficient way. Commonly used wrappers in an advice process are Individual Savings Accounts (ISA) and Pension Plans although there are others that can be used based on...
Read More What is an ISA?
An Individual Savings Account (ISA) is a scheme that allows individuals to hold cash, shares, and unit trusts free of tax on dividends, interest, and capital gains. There are two main types of ISA: Cash ISA’s where all interest earned on money...
Read More What is a Gilt?
Gilts are Bonds that are issued by the British Government to raise money. They are generally considered to be a low risk investment. The term originated in Britain and referred to debt securities that had a gilt (or guilded) edge. Conventional gilts...
Read More Can’t find an answer to your question?
We have created a set of resources incorporating answers to questions our client’s have asked us. This is by no means a comprehensive list and we are always happy to answer any questions that you may have that have not already...
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