Investments

Investing money needs careful consideration and you need to be absolutely sure of the risks involved. 

We care About Our Clients

Whether you have a small amount to invest on a monthly basis or a large capital lump sum to invest, we can offer advice on the most suitable product for you. We have access to some of the UK’s top specialist fund managers on a referral basis who will be able to look after your funds.

We offer some of the most competitive products available in the market place, thus ensuring that your investment suits your needs at the right cost.

Do you plan to save monthly and/or invest a lump sum? There are literally hundreds of products and providers to choose from. At Charles, Porter & Company we will discuss  your short, medium and long term objectives to ensure our recommendations are tailored to your specific needs.

The value of investments can fall as well as rise, you may get back less than you invested.

This Section Provides Generic Information On Different Types Of Saving & Investment.

You Should Seek Advice Appropriate To Your Specific Circumstances Prior To Making Any Decisions.

Deposit Based Investment

There are various deposit-based investment vehicles available in the marketplace. Many customers will have money on deposit either with a bank or building society.

Every basic rate taxpayer in the UK now has a Personal Savings Allowance of £1,000. This means that the first £1,000 of savings interest earned in a year is tax-free. If you are a higher rate taxpayer (40%), then your allowance is £500, and 45% taxpayers have no savings allowance at all.

 

Commercial Banks & Building Societies

 

Cash ISA

National Savings & Investments

National Savings & Investments are Government backed. You can visit the NS&I website www.nsandi.com

The Financial Conduct Authority (FCA) does not regulate advice on deposits or national savings & investments products.

Asset-backed Investments

Different types of asset-backed investments include:

  • Shares
  • Gilt-edged Securities (Gilts)
  • Friendly Societies
  • Unit Trusts
  • Individual Savings Accounts (ISAs)
  • Investment Trusts
  • Open Ended Investment Companies (OEICs)
  • Investment Bonds

Individual Savings Accounts (ISAs)

Available since April 1999, ISAs offer an attractive tax-efficient investment to anyone aged 18 or over (16 or over for cash ISAs).

Tax must be paid on the income and profits made from investments in the stock market, either directly or through unit trusts and OEICs.

ISAs, however, serve as a kind of ‘wrapper’ to protect savings from tax. This allows individuals to invest in a range of tax efficient savings and investments, and pay no personal tax at all on the income and/or profits received.

The Government has said that the ISA will be available indefinitely.