Investments
We build and review investments that carry the level of risk you chose, inside the ISAs and pensions you hold.
We build and review investments that carry the level of risk you chose, inside the ISAs and pensions you hold.
Over longer periods, investment markets have historically delivered positive returns in many periods, but past performance does not guarantee future results and losses can occur. Markets also fall, sometimes sharply.
More risk can mean more growth, and it can equally mean a bigger fall. We make sure the risk in your investments is the risk you chose.
Money you may need within five years generally does not belong in the market at all. Money for a goal twenty years out can accept a great deal more movement in exchange for the chance of stronger growth.
We agree with you a level of risk you could stay invested at through a bad year.
Capacity for loss is the practical side. If a 20% fall would delay your retirement or force you to cut essential spending, that is different from one that feels uncomfortable but changes nothing.
The value of investments and any income from them can fall as well as rise and you may get back less than you invest. Past performance is not a reliable indicator of future results.
You do not need a large sum, and investing a regular monthly amount can reduce the impact of market volatility on the overall performance of your investments.
You can use both. Pensions give tax relief going in but lock the money away until at least 55. ISAs are accessible at any time and tax-free coming out.
Which allowance to fill first depends on your tax position now, your likely tax position in retirement, and when you might need the money.
The Financial Services Compensation Scheme protects eligible claims against authorised firms and certain investment failures, subject to limits. It does not protect you against investment losses. A fund falling in value is a market outcome, and the scheme does not cover it. We will explain exactly what is and is not covered.
Yes, and we begin there. You will see what you are paying, what risk you are taking, and whether either matches what you thought.
No. We set the risk to fit the goal, at a level you could stay invested at through a bad year.
Pensions give tax relief going in, and ISAs can be reached at any time. The full answer.
You pay it on the profit when you sell something that has gone up in value, and only on the part above your annual exemption.
Read more →You can pay £20,000 a year into ISAs, split across as many as you like, with no tax on the growth or the income. The Budget on 28 October 2026 kept the cash ISA limit at £20,000 from April 2027.
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Independent Financial Adviser
Independent Financial Adviser
Your first call is with an Account Manager and is at no cost to you. Tell us what is on your mind: a pension you have lost track of, a fixed rate ending, a will you keep meaning to write.