The Mortgage Practice Wales - Savings & Investments

savings_icon_small In today's current volatile economic climate and with the average age of men and women rising all the time, now more than ever it is vital that you should get more advice on how to make your money work for you.

We can help with savings advice on long and short term goals.

By conducting a thorough review of your financial situation and finding out your risk tolerance we will recommend appropriate investments and help build a Tax efficient savings portfolio for yourself and family.

Individual Savings Accounts (ISA)

There is a Tax efficient way of saving with new changes from April 2010. Limit for everyone to £10,200 of which £5,100 can be invested in cash, yet the whole amount could be invested in shares if you wish.

Investment Bonds

These are single lump sum investments. This is a way of investing in funds. In a number of different assets, you choose which suits you best according to the level of risk you wish to take.

Investment Trusts

These are companies that buy and sell shares in other companies. When you invest in an Investment Trust company you become a shareholder of that company. Your shares will rise and fall according to the supply and demand.

Unit Trusts

Unit Trusts are a popular way of putting cash of many investors into one pooled fund. This allows investors to invest collectively which has the benefits of spreading and reducing risk while keeping costs down.

Open Ended Investment Companies

OEICS (Open Ended Investment Companies) are collective investment vehicles but structured as companies rather than trusts. Like Investments Trusts and Unit Trusts they invest in a variety of assets to generate a return for investors. You may invest by lump sum or by regular monthly payments.

Offshore Investments

This is when you invest in investment vehicles situated in financial centres outside of the UK. The government has made it less attractive to put money offshore to avoid tax.

The Mortgage Practice Wales - Savings & Investments

Individual Savings Accounts (ISA)

Investment Bonds

Investment Trusts

Unit Trusts

Open Ended Investment Companies

Offshore Investments

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