Investment
“A thing worth buying because it may be profitable or useful in the future”
Such is the definition of investment in the Oxford English Dictionary, and indeed this is certainly what most investors would set out to achieve. The question that remains to be answered is how best to make this investment? This is where we believe that Gregory Adam Financial Management Ltd are able to assist having extensive knowledge of a wide range of investment vehicles and underlying holdings that are currently available throughout the marketplace.
When we make recommendations for you, we will take into account your own personal and financial situation and offer you solutions tailored to your own needs and aspirations. Such investments may include the following types:
- Deposit Holdings (including cash ISAs)
- National Savings Products
- Collective Investment Vehicles (including stocks and shares ISAs)
- Investment Bonds (Onshore and Offshore)
- Discretionary Portfolio Management
- Equities
Client Portal – Online Valuations
Once you become a client of Gregory Adam Financial Management, under the terms of our “Full Client Proposition” you can access details of your investments via our client portal. This is a service we offer to clients to enable them to obtain real time valuations* of their holdings at any time convenient to themselves.
To enter the client portal click here.
If you have not yet signed up to access your investments online, please contact us.
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Deposit Holdings (including cash ISAs)
Everyone knows how important it is to accumulate a “rainy day” savings pot. This is normally built up over time by regular payments being made into a High Street Bank or Building Society deposit account. Similar to a traditional bank account, the monies are held safely by the institution who then pay interest to the depositor for the funds invested.
In the modern era of internet technology, there has been a rapid increase in the number of institutions offering accounts that can be operated online, with many of these offering interest rates that are far superior to those found in the High Street.
This type of investment has the security that the capital value will not decrease in value. It is however, sometimes felt that the real value of the capital may not be preserved if the rate of inflation exceeds the rate of interest being received from the account.
Under the Financial Services Compensation Scheme (FSCS) savings of up to £50,000 per individual depositor are protected in the event of default of the institution holding the monies. Further details of this can be found on the FSCS website at http://www.fscs.org.uk/consumer/ (Note this applies only to individual UK depositors – different levels apply in respect of non-UK deposits.)
How will Gregory Adam Financial Management Ltd help me?
Gregory Adam Financial Management have the expertise and facility to research the market to offer you specific recommendations of suitable deposit accounts and providers. Including notifying you about any connected institutions, as this could affect the FSCS protection.
We will also advise you when you should utilise your tax free savings allowance, under the Individual Savings Account (ISA) rules.
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National Savings Products
Some of the least risky of investment options are those offered by National Savings and Investments (NS&I), which raises money on behalf of the UK Government. This means that monies invested with NS&I are 100% protected as they are fully backed by the UK Government.
While investment returns are not necessarily spectacular and some involve tying your money up for longer periods of time, they are nevertheless stable and in some cases tax-free.
They include National Savings Bank accounts and Savings Certificates and various forms of Savings and Income Bonds.
How will Gregory Adam Financial Management Ltd help me?
Gregory Adam Financial Management will take into consideration your attitude to investment risk as well as your tax situation when recommending which of these many products is suited to your situation, some of the products are only suited to a particular type of individual.
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Collective Investment Vehicles
There are many examples of collective investment vehicles, which are a method of allowing an individual investor to invest in a pooled collection of underlying holdings, these could include such assets as: equities, fixed interest securities, Exchange Traded Funds, commercial property and money market instruments.
The benefit of a pooled investment such as this, is the dramatic reduction in investment risk that this offers, as not only is the fund managed by a professional investor who will determine the actual stock held, it will also hold a widely diversified range of underlying assets meaning that your returns are not reliant upon one individual stock.
Open Ended Investment Companies (OEIC's), Unit Trusts (UT's) Investment Trusts (IT's) & Undertakings of Collective Investments & Transferable Securities (UCITS') are examples of Collective Investments. Each of these can also be held within the tax wrapper of an Individual Savings Account (ISA) under the stocks and shares ISA rules. This can provide additional benefits for this type of investment.
These holdings are intended as medium to long term Investments and because these Investments may go down in value as well as up you may not get back the full amount invested, especially if you withdraw from the Investment in the early years.
These products can be used for lump sum investment or regular savings.
How will Gregory Adam Financial Management Ltd help me?
Gregory Adam Financial Management are able to make recommendations to suit your personal circumstances including taking into account any tax implications. We have the knowledge of not just the collective investment vehicles but also of the underlying funds held by these investments.
If you would prefer to invest directly, you can access our preferred partner, Fidelity Funds Network here.
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Investment Bonds (Onshore and Offshore)
An insurance company investment bond can offer an ideal long term investment opportunity for the lump sum investor. They are particularly useful for trustee investment, tax planning and as a means of drawing an income without further liability to tax.
Insurers offer a very wide range of investment funds, across all the main asset classes, and offshore bonds also offer the facility for investment in mutual funds, and offshore bank accounts. With prudent tax planning, realised gains are normally tax free for basic rate taxpayers, and minimised (if held over a longer term) for higher rate tax payers.
How will Gregory Adam Financial Management Ltd help me?
Gregory Adam Financial Management will not only be able to recommend the most appropriate insurer to administer your bond, but will also be able to advise you about the taxation implications and underlying fund selection over the lifetime of the bond.
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Investment Bonds (Onshore and Offshore)
An insurance company investment bond can offer an ideal long term investment opportunity for the lump sum investor. They are particularly useful for trustee investment, tax planning and as a means of drawing an income without further liability to tax.
Insurers offer a very wide range of investment funds, across all the main asset classes, and offshore bonds also offer the facility for investment in mutual funds, and offshore bank accounts. With prudent tax planning, realised gains are normally tax free for basic rate taxpayers, and minimised (if held over a longer term) for higher rate tax payers.
How will Gregory Adam Financial Management Ltd help me?
Gregory Adam Financial Management will not only be able to recommend the most appropriate insurer to administer your bond, but will also be able to advise you about the taxation implications and underlying fund selection over the lifetime of the bond.
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Equities
Whilst Gregory Adam Financial Management are not a stockbroker, so we cannot advise you with regards to individual stock pick, we are very aware of the markets, and can offer you consolidation vehicles to provide wrappers for existing equity holdings. We can also offer you tax advice relating to dividends and other aspects of equity holdings.
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IMPORTANT NOTES:
The effects of inflation can reduce the spending power of any savings or investments you choose to make. You should take these effects in to account in any long-term plans. Additionally, the value of some savings or investments plans can vary and even reduce in value. If you need an explanation of the risks involved with any savings plan please contact us.
It is important to note that details about past performance are given for information purposes only and that past performance is no guarantee of future returns.
Not all the products/services detailed on this page are regulated by the Financial Services Authority.
*Some valuations may not be available immediately if this facility is not supported by the insurer/fund manager.
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