Wealth Management Consultants in Tunbridge Wells
The principles of good investment management apply regardless of the sums involved and what you want to achieve.
Our Approach To Wealth Management
Designing An Investment Portfolio
For us, building a suitable and efficient investment portfolio starts with gaining a thorough understanding of your financial circumstances, objectives, goals and tolerance to risk. We then take into account other important factors, such as taxation, to create a portfolio that has the right balance for growth, income or a combination of the two.
Asset Types And Collective Investments (‘Collectives’
The asset types most commonly found in personal investment portfolios are cash, fixed interest securities (such as corporate bonds and gilts), shares (also known as equities) and commercial property. Most collectives invest in one or more of these asset types.
We use collectives to achieve diversification using a blend of passive and actively managed funds. Collectives include Unit Trusts, Open Ended Investment Companies (OEICs) and Investment Trusts.
Some clients might have certain ethical views and beliefs
Products And Wrappers
With careful planning, it’s usually possible to reduce the tax payable on a collective investment fund by holding it in a suitable ‘wrapper’.
The two most common wrappers are Pensions and Individual Savings Accounts (ISAs) both of which allow the funds to accumulate without giving rise to any additional income tax or capital gains tax.
With interest rates at historic lows and
Your current and likely future income tax rate can help determine the most suitable wrapper. This might include using Investment Bonds, either onshore or offshore, which can offer tax planning opportunities, such as the ability to assign parts of the investment to a lower or nil rate tax payer before encashment.
Later in life, a wealth management company can help reduce the impact of Inheritance Tax (IHT) might become an important
After many years of investing, most client portfolios will comprise a mix of cash, collectives, products and wrappers
A Wrap or Platform is a computerised administration system that allows on-line access to the accounts and investments at all times. Monies can
We’ll use your personal tax allowances to help maximise the returns
Reviews, usually annually, are an integral part of our approach and are essential to ensure that your investment strategy and financial plan remains effective and stays firmly on track.
Further information about our Wealth Management Service in Tunbridge Wells and Kent can