Lump Sum Investment -We Help You Make The Most of Your Hard Earned Savings
Your lump sum investment could come from a lottery win, an inheritance, downsizing your property, a divorce settlement, proceeds from a life assurance policy and numerous other means.
Finding yourself with a large sum investment or some spare money can be a fortunate experience, but what do you do with it?
High Performing Investment Advice
Spend it, save it in a bank account where it’s safe – or invest it where it has more opportunity to grow?
There are lots of instances where we might find ourselves with some extra money – even quite a large lump sum investment – and although the first thought might be ‘what can I buy’ – it would be sensible to think ‘what other options do I have?’
For most of us, we do consider what kind of risk we are prepared to take – and what we mean by risk can vary dramatically from person to person.
There are many types of risk and some or all might affect any kind of investment we consider.
We provide independent lump sum investment advice that is not restricted in any way. This allows us to consider, identify and shortlist the most appropriate investment options in the market today.
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This year, 2017, sees us reach our 20 year anniversary. In all that time we’ve seen real changes in the financial market, but our core values have forever remained the same. Put simply, we’ve always striven to offer unbiased and objective financial advice, with a view to protecting and enhancing our client’s wealth and sense of well-being. Welcome to our conversation.
We stand for honesty – advice – trust and value. Our culture and people matter and promise you this, the team that makes Equity SMART work will be centred on you. Our team believe in treating clients like family, so you can be confident that we’ll give you the same advice we would give to our own relatives.
We believe in a “Get Rich Slowly” philosophy through a “passive investment” approach to purchasing investments. This we believe is the right choice for the majority of investors who are seeking more peace of mind, when looking to achieve sustained performance over the longer term.
Passive investment is the rational, mathematically proven route to investing success.
Our investment strategies are focused on your risk profile, well researched, efficient and low maintenance.
We look to keep your costs low through longer term appreciation, reduced maintenance and look to avoid unnecessary trading.
Ensure you are not over exposed at any time through wide diversification of your asset classes.
We provide regular reviews and rebalancing when required or on a 6 monthly or yearly basis.
Cash – Cash is generally considered to be the safest of the asset classes. Cash funds pay a rate of interest which can go up and down daily. Cash funds are often invested in bank deposits and are generally regarded as safe. However, the returns you receive might not be very attractive over the long term.
UK Goverment bonds – These are sometimes called gilts or gilt edged securities, and are loans to the UK Government. The UK Government (as the issuer of the bond) agrees to pay a fixed rate of interest and to repay the loan at the end of a fixed term. UK Government Bonds are relatively secure since the interest rate is fixed. However, the actual price of the bond can go up and down.
Corporate bonds – These are similar in structure to government bonds but they’re issued by companies. These are generally riskier than government bonds but carry the potential for higher returns. There are different categories of corporate bonds. Investment grade bonds are judged to be very likely to meet their payment obligations. Riskier high yield, or junk, bonds are not.
Equities – Often referred to as stocks and shares, these are shares in companies. Shares are traded on stock markets and the share price can go up and down on a daily basis. Companies usually pay a dividend to share holders. Equities are generally considered to be the riskiest mainstream asset class. Overseas Equities provide some spread of risk but add currency risk.
Individual Savings Accounts (ISAs) – Stocks and shares ISAs let you invest up to £10,200 a tax year. You don’t pay any personal tax on the growth in value of an ISA.
Investment trusts – These are companies which exist solely to invest in the shares of other companies. Shares in investment trust companies are traded on stock markets. Returns on these investments are normally subject to capital gains tax.
OEICs (Open Ended Investment Companies) – These are a type of collective investment scheme and fund management companies usually run them. Your investment buys you shares in these schemes. The price of the shares can change daily, up or down, according to changes in the value of the assets they’re invested in. One advantage which OEICs have over investment trusts is that they can invest in different asset classes such as bonds and property. In this way they can spread the investment risk. Returns on these investments are normally subject to capital gains tax.
Investment bonds – These are really life assurance plans with a large investment element. Like OEICs, they give you the opportunity to invest in a range of asset classes at the same time, spreading your investment risk. Returns on these bonds are normally paid net of basic rate income tax.
Structured products – These are usually fixed term investment products which offer performance related to equity returns but aim to provide protection of the original amount invested as long as you keep your money invested for the full term. Returns on these investments are normally subject to capital gains tax.
Kind Words & Praise
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