Savings & Investments
Many of our clients are comfortable arranging their own short term cash savings, and understand the available options. However, most are unsure when it comes to investing over the longer term, for improved growth potential. We can help you to prioritise your goals and develop a financial plan that balances tax efficiency, affordability, and access to capital, whilst considering your risk appetite and growth expectations.
Cash Savings
We can help you navigate the various offers from banks, building societies and National Savings & Investments (NS&I), then provide guidance on how you may wish to arrange your cash savings and deposits. We don't charge a fee on any guidance relating to cash savings, so this service is only available to clients who are, or will be, paying us a fee for advised services.
Stocks & Shares Investing
Taking additional risks with your capital can be a daunting prospect. The thought of your investments falling and rising in value can be worrying and investing is not for everyone. We will explain the relationship between risk and reward, and the characteristics of different 'asset classes' like shares or bonds. We'll establish the level of risk that matches your investment experience, appetite for risk and ability to absorb losses. Investing in the stock market should be looked at as a medium to long term strategy and we will be there to reassure you through any difficult market conditions.
Investment Bonds
Investment Bonds are long term life assurance based investments, with some unique tax characteristics. Historically they were very popular. As ISA and other tax allowances increased, the tax treatment of Investment Bonds became generally less favourable than some other products and they became less common for new investors. However, legislation does change, and the recent reductions in dividend and capital gains tax (CGT) allowances, plus an increase in interest rates, has strengthened the case for Investment Bonds in some scenarios. They are also very useful for trust and estate planning due to their segment structure and tax-deferred status.
ISAs, LISAs & JISAs
Individual Savings Accounts (ISAs), are tax efficient savings and investment products, that provide the potential to grow your capital without paying income or capital gains tax on any profits. An adult who is normally resident in the UK has an allowance of £20,000 for the 2024/25 tax year. This allowance can be split between different types of ISA and is reduced to £9,000 for under 16s who are eligible for a Junior ISA (JISA). The rules are slightly different for 16-18yr olds, who can potentially benefit from both child and ISA allowances.
LISAs are designed to help savers with a deposit for their first home. They can also act as useful retirement savings. They are a bit more complicated than the usual ISA options, but we can explain this in detail.
An investment in a Stocks & Shares ISA will not provide the same security of capital associated with a Cash ISA.
The favourable tax treatment of ISAs may be subject to changes in legislation in the future.
Investing in shares should be regarded as a long-term investment and should fit in with your overall attitude to risk and financial circumstances.
The value of your investment can fall as well as rise and you may get back less that you invest. Your capital is at risk.
Strategy Wealth Uk Ltd is an Appointed Representative of ValidPath Limited which is authorised and regulated by the Financial Conduct Authority, Firm Reference Number 197107. Strategy Wealth is a trading name of Strategy Wealth Uk Ltd which is registered in England and Wales no. 14838686. Registered office 45 Tanwood View, Bodmin, Cornwall, PL31 2PN. Directors: David Ellicott & Michael Rowan.
The information and guidance provided within this website is subject to the UK regulatory regime and is therefore primarily targeted at consumers based in the UK.
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