Investment and Savings

Investments and Savings

Investment

The value of pension and investments and the income they produce can fall as well as rise. You may  get back less than you invested.
 
Tax treatment varies according to individual circumstances and is subject to change.
 
Investors do not pay any personal tax on income or gains, but Stocks and Shares ISAs do pay tax on income from stocks and shares within the funds.

The Financial Conduct Authority does not regulate on Estate and Trust Planning.

Why do we invest? What do we want to achieve?

For most people, the purpose of making an investment is to grow their money so as to provide a hedge against inflation.

For others it may be that they are looking for income.

For many people, it may be a combination of the two!

Investment and savings are important to us all, so we need to look after them !

Money held on deposit does not, over time, keep pace with inflation. Here at Sterling we believe that inflation will continue to be a real problem for many years to come.

In order to keep pace with inflation it is generally accepted that you will need to invest in assets. By assets we mean tangible forms of investment which tend to increase in value over time, partly because of the affect of inflation, but also partly due to the age old logic of supply and demand and market forces.

There are many assets to choose from, and many ways to invest. Each choice brings with it a number of factors which need to be carefully considered. It is important therefore that you get the very best investment advice

Whatever the source of your money, and whether your prime purpose is growth, income or both, we all want our investments to perform well, and to behave as we would want them to.

At Sterling we work with our clients to tailor investment plans / solutions which meet their needs and wants. We create and agree an investment strategy with our clients, which details our investment advice and then we use this ‘road map’ to design and build investments which meet our clients needs over the medium and / or long term.

It may be that you would also want to reduce or eliminate your liability to inheritance tax. In this case investment linked to a trust might be appropriate.

We don’t do ‘off the shelf’. We believe that each and every investment should be prepared with the individual client’s needs in mind.

Talk to us about what you might want. We will happily explain to you just how we would approach your requirements. Take advantage of our free, no obligation, consultation.  We think you will like our straightforward approach.

Contact us via our contact page. One of our experienced investment advisors will make contact with you.

Alternatively, call us on 01482 863127

Savings

You may have received an inheritance… or sold a property… or won the lottery, however most people will be investing money which has been saved over a long period of time.

We have a number of alternatives that you might use for accumulating money by saving regularly.

You might want to utilise your ISA allowance in order to accumulate savings which benefit from tax free income and gains.

Alternatively, you might want to consider a pension, where you can receive tax relief on the contributions you make.

It may be that you want a cash based plan which allows instant access. Alternatively you might want an asset based plan, for the medium to long term, which could invest in assets, such as equities, fixed interest holdings, index linked assets, property etc.

Whatever you are saving for, and whatever your preferences, we can guide you towards the most suitable form of savings plan, or combination of plans.

Tax treatment varies according to individual circumstances and is subject to change. Investors do not pay any personal tax on income or gains, but Stocks and Shares ISAs do pay tax on income from stocks and shares within the funds.

Talk to us about what you want to achieve. We will happily explain to you just how we would approach your requirements. Take advantage of our free, no obligation, consultation. We think you will like our straightforward approach.

Complete the form at the top right of this page for a call-back or e-mail and one of our experienced investment advisers will make contact with you. Alternatively Contact us via our contact page.

Alternatively, call us on 01482 863127