IFS 4 YOU
 Independent Financial Services

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Welcome to The Independent Financial Services

 

Investments

 

Investment Planning

If you're looking for your money to grow, or looking for it to provide an income we can help. We have a wealth of experience in advising clients on their investments and will tailor an investment portfolio to your needs based detailed analysis of requirements from discussion with you. We will conduct a comprehensive review of your finances, taking account of your attitude to risk and investment objectives. We will produce a detailed report of our findings and advise you on the best combination of investment types to achieve your aims and goals.

We will then acting on your behalf independently research the marketplace to select a range of funds to build a portfolio for your investment and then taking account of your tax position both now and in the forseable future, propose one or more suitable investment vehicles.

 

Tax and your investments

We all know about Individual Savings Accounts (ISAs) and that you can invest £7,200 per year into one and not pay tax on growth or income. From last year 2009 the over 50's could invest up to £10,200 and from April the 6th 2010 any UK resident over 18 can invest up to £10,200, but what if you have more than £7,200 to invest? Following the Chancellor's overhaul of the Capital Gains Tax (CGT) regime in 2008 it is more important than ever that your tax position is taken into account, not just now but also what you think it might be when you crystallize your investments. The exact disposition of investments will depend upon a number of factors which will be discussed during a financial review. However, as a rule of thumb any investment that generates interest or income, such as a Property Unit Trust should probably be held in a Life Bond wrapper, either on or offshore and any investment that generates growth should probably be in a Unit Trust portfolio against which your annual CGT exemption can be offset.

It stands to reason that any other investment that offers a tax-break should be considered, including Venture Capital Trusts (VCTs), Enterprise Investment Schemes (EISs) and of course Pensions. However, some of these can be very specialist in nature and their suitability would need to be reviewed in the light of your experience of investments and also your attitude to risk.

All of this highlights the need to talk to an experienced adviser who can walk you through the investment minefield and make sense of the gobbledegook that comes from the Investment managers.

Contact us now on FREE Phone 0800 567 0018 for your free no obligation consultation.Investment Planning

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Independent Financial Services 4 You Ltd of 201 Rodbourne Road Swindon SN2 2AA, is Authorised and regulated by the Financial Conduct Authority. FCA Registration No. 518498.  

Registered in England and Wales No. 7120714. Registered address: 201 Rodbourne Road, Swindon SN2 2AA

 

 

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Contact us now for your FREE NO-OBLIGATION consultation.

FREE Phone 0800 567 0018

Free Appraisal            

In order to provide the best quality financial advice, we need to fully understand your financial circumstances and objectives.We therefore offer an entirely free, and without obligation Financial Review.

We will discuss your current circumstances, review your existing plans and investments and advise you of their continued suitability. We will discuss any shortfalls in your provisions, and taking into account your wants and needs,  your affordability and attitude to risk, we will come up with solutions to your needs researched from the entire market and with no product bias.