Investments

You may be perfectly comfortable planning your investments without help from someone else but there is no guarantee that you will end up with the best choice. Also, choosing and watching your investments can be a surprisingly time-consuming business and impartial, independent help is well worth having. We show you how to get it.

As Independent Financial Advisers we take a lot more than you might think in to account when planning your investments for you. We take your whole financial situation in to account and then comb the financial markets to find investment vehicles that match your goals and aspirations while taking in to account your personal attitude to risk, tax position and not to mention fund charges and performance.

Saving For Children: Finding another way

Written by John Bloomfield
Wednesday, 08 December 2010 17:23
A recent survey indicated that over 30% of parents and grandparents are saving for the benefit of their children. Indeed, despite the recent recession, one in ten is saving more than they were a year ago. However, despite the fact that childhood is a long term experience –up to 21 years of food, pocket money and support through college or university – over half these savers are using only deposit accounts to build a lump sum. This is perhaps understandable given the stock market worries of the recent past. However, over such a long period, using only cash as an investment puts the value of those savings at significant risk – from inflation.
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Children's Savings: Paying for your dear little things

Written by John Bloomfield
Wednesday, 08 December 2010 16:53
It is as if children have become a luxury item. From their first squeal through to the age of 21, you will pay out more than £200,000¹ in their name. This can be a hefty chunk of your after-tax income and it is therefore worth planning ahead where you can, to minimise the burden of some of the more predictable expenses. However much you have available, you will find there is an option which is suitable. Some will be specifically designed for children – and some will even have tax benefits thrown in.
Last Updated on Wednesday, 08 December 2010 17:14
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GUIDE TO INVESTMENT DIVERSIFICATION

Written by John Bloomfield
Wednesday, 17 March 2010 14:26
This guide is designed to help start you on the road to building an investment portfolio. With a little consideration, a balanced, well-diversified portfolio should weather the short-term storms of stock market and property market fluctuations. It will smooth out the many peaks and troughs and help you meet your financial objectives over the longer term without causing too many shocks along the way.
Last Updated on Monday, 08 November 2010 14:42
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ISA Guide 2010/11

Written by John Bloomfield
Tuesday, 04 May 2010 15:08
As I feel ISAs are so important this year rather than update this guide I have launched a dedicated website, that provides more comprehensive and better organised information than I could on a single page. - www.the-isa-adviser.co.uk I hope you find it useful This is our guide to Individual Savings Accounts and how to make the most of the annual tax year allowance. If you would like to discuss any of the information provided in more detail, call on 0191 4066453 or click here to email me. ISA Guide 2010/11 This is our guide to Individual Savings Accounts, for 2010/2011, and how to make the most of the annual tax year allowance. If you would like to discuss any of the information provided in more detail, please contact me on 0191 4066453. “An ISA sits over your choice of investments to shelter them from further tax.” What is an ISA? ISA stands for Individual Savings Account, a tax-efficient wrapper offered under Government legislation as a way of encouraging you to save. An ISA sits over your choice of a number of different investments to shelter them from further tax on any income or gains earned. There are just two types of ISA - the Cash ISA and the Stocks and Shares ISA – and the combined allowance for both in 2010/11 is £10,200. Within this, the limit for Cash ISAs - or for the cash element within a Stocks and Shares ISA - is £5,100. However, there is flexibility over how these limits can be used - you can, for example, put the maximum £5,100 in a cash account and £5,100 in a stocks and shares account. Alternatively, though, if you place just £2,000 in cash, you can use the entire remaining balance – £8,200 in this case - to invest in stocks and shares. If you don’t need cash at all, you can put the full £10,200 into stocks and shares. In addition, you can transfer existing Cash ISA holdings to a Stocks and Shares ISA without impacting on your current tax year allowance. So, if you have £10,000 already sitting in existing cash ISA plans then this amount can be moved to a Stocks and Shares ISA, yet leave your entire current tax year allowance still available for new investment.
Last Updated on Tuesday, 12 July 2011 17:37
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ISA Guide 2009/10

Written by John Bloomfield
Wednesday, 27 January 2010 12:31
This is our guide to Individual Savings Accounts and how to make the most of the annual tax year allowance. If you would like to discuss any of the information provided in more detail, call on 0191 4066453 or click here to email me. What is an ISA? ISA stands for Individual Savings Account, a tax-efficient wrapper offered under Government legislation as a way of encouraging you to save. An ISA sits over your choice of a number of different investments to shelter them from further tax on any income or gains earned.
Last Updated on Wednesday, 10 March 2010 11:01
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ISA Guide 2010/11

What is an ISA?

What is an ISA?

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