Savings and Investments

THE RIGHT SAVINGS AND INVESTMENT SOLUTIONS FOR YOU


 

Risk & Return

Whether you are saving for the short term or investing for the medium to longer term there are so many different types of investment and savings products to choose from, how can you be sure of which product is right for you whether you are looking for growth income or a combination of both.

The first usual concern is making sure you are getting a reasonable return on your investment, however this decision needs to be based on the level of risk you are prepared to take in order to achieve your hoped for return, so balancing risk against return is an essential part of the investment process.

At Pure Financial Advice, after carefully assessing your individual requirements by completing a thorough Fact Find, and Risk Profiling Questionnaire and discussing Asset Allocation, we will provide a full report which we feel meets your risk and return profile together with your need for access to funds and/or the ability to tie up your money for a period of time. We will then select an investment product/s to suit your needs.

At Pure Financial Advice we pride ourselves on always doing what is best for our clients through our advice process. You can be confident that we will select the best investment products available to meet your individual requirements. Below some of the investment types that we recommend.

Bank/Building Society Deposit Accounts

In any investment portfolio it is important to have a certain amounts of funds that are available at short notice in the event of an emergency. Usually the best place for easily accessible funds is in a Bank or Building Society Deposit Account.

National Savings & Investments (NS&I)

NS&I offer a range of savings and investments to suit differing needs. They are backed by HM Treasury which means that you capital should be 100% secure.

Individual Savings Accounts (ISA’s)

ISA’s are a tax efficient way of Investing for Income or Growth or a combination of both. ISA do not normally incur a tax liability. There are three main types of ISA, Cash, Stocks and Shares, and the Junior ISA for children, all have different limits on the amount that can be invested each tax year.

An ISA is also a very popular and tax efficient way to save for the future on a regular basis

Investment Bonds

Investment Bonds are a single premium life policy; although the amount of life cover provided is usually nominal they are provided through an Insurance Company which allow you to invest in a variety of funds. They are called unit linked funds where many individuals investments are ‘pooled’. They are normally designed to produce long term capital growth, but can also be used for income as they allow withdrawals of up to 5% each year of the amount invested without an immediate tax liability.

There are many different types of Bonds with different structures these include With Profit Bonds, Distribution Bonds and Portfolio Bonds.

Often Investments Bonds can be used as Trustee investments through a Trust arrangement.  Alternatively an Investment Bond can be used as a investment to reduce the Inheritance Tax Liability on ones estate by placing the Bond in a appropriate trust without losing access to the capital invested.

Open Ended Investment Companies (OEICs) / Unit Trusts

OEICs and Unit Trusts are also a collective investment investing in a variety of funds where the individual gets the benefit of Professional Investment Advice where the costs are shared between the investors. Risk is also spread over a number of different holdings within the fund.

Financial Planning Advice Reading

For a comprehensive review of your finances and planning for the future, call Pure Financial Advice today. We are based in Reading and we service all of the towns and villages in the area. We can meet you at your home or at any convenient location to suit you for a no obligation initial consultation.  Call us today on: 0118 943 1789 to arrange an appointment.


when taking a risk the value of investments can go down as well as up and you may receive back less than you invest.