CS Retirements Investment and savings advice

Are you looking to grow your personal wealth but need a little more advice? As one of the most important steps for securing your family’s financial future, making the right decisions regarding the best ways to utilise your capital is essential. Our team of experienced financial advisers provide the quality investment and savings advice needed to make your money work to its full potential.

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Your home may be repossessed if you do not keep up repayments on your mortgage.

Poor Investment Strategies Can Result In The Value Of Your Capital Falling Below Its Original Value

Why Investment Strategies?

After working hard for your money, it’s imperative that you make it work harder – especially when you consider the impact of inflation and increased living costs. A winning investment strategy helps your capital grow to unlock a wealth of improved opportunities in relation to your property, retirement plans, and bid to secure your family’s future. Maximising the value of your money today will unearth a brighter tomorrow.

What Is Investment Planning?

Effective investment planning revolves around finding a combination of investment and savings strategies to suit your individual circumstances with the ultimate goal of reaching your financial goals. Our team of experts provide objective and tailored advice to ensure your capital works harder, ultimately ensuring that the short and long-term goals are met. The earlier you take charge of the situation, the greater your eventual reward will be.

What Is An Investment Strategy?

While planning sets out the goals and considers your level of capital, the strategy focuses on finding the right investments and opportunities currently available. Our experts help you build a diverse portfolio of assets to manage your wealth with reduced risks and maximum growth potential. The process takes time, but our advice will ensure that the most suitable and effective investment opportunities are selected for optimal growth.

What Are Individual Savings Accounts (ISAs)?

ISAs are tax-free savings accounts that allow individuals to save up to £20,000 per annum. Savings can be split across several types of ISAs, including; Cash ISAs, Help To Buy mortgage ISAs, Lifetime ISAs, Stocks and Shares ISAs, and Innovative Finance ISAs. Savings made in this way area calculated from April to April in parallel to the tax year while allowances can be split across 2-3 types if preferred.

What Are Junior ISAs?

Junior ISAs are designed for children under 18 who do not hold a Child Trust Fund (CTF) account and can cover savings for up to £9,000 per year. Holders of a CTF may have their funds transferred to a JISA if this is deemed better. Our financial advisors can support you through the process to ensure that your child’s best interests are kept in mind.

What Are Investment Trusts?

Investment trusts are companies that pool money from their investors to buy and sell various shares and assets. Investment trusts can have their individual aims and portfolio choices to work on behalf of their clients. Our advisors help you find the right investment trusts depending on your individual financial circumstances and the type of portfolio you are most convenient.

The value of investments and any income from them can fall as well as rise and you may not get back the original amount invested.

HM Revenue and Customs practice and the law relating to taxation are complex and subject to individual circumstances and changes which cannot be foreseen. 

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