Savings & investment planning
Whether you're seeking income or long-term capital growth, it's important to ensure that your savings and investments are structured in a tax-efficient way, and that your exposure to risk is both controlled and suitable for your objectives.
"Get in touch with Askaig Newington to speak to our financial planning team.
Our experienced professionals have a wealth of knowledge and a shared commitment to providing the best possible service to our clients.
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Whether you're looking to secure your retirement, grow your wealth, or navigate a complex financial situation, we're here to provide personalised advice."
Do my savings and investments match my financial goals?
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Many individuals and families accumulate a disparate collection of savings and investments throughout their lifetime.
Whether the funds have been amassed from surplus income, an inheritance, or the sale of a business or other asset, it's important to have a coordinated savings and investment strategy in place.
Our financial planners will build a bespoke lifetime financial plan, that considers your savings and investments within the context of your whole financial situation.
Are my savings and investments held in a tax-efficient way?
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The tax-efficiency of your savings and investment portfolio is likely have as big an impact on your total return as the underlying investments.
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For most individuals, tax is likely to be their largest lifetime expense. Controlling the extent to which your savings and investments are exposed to income tax and capital gains tax will drastically increase the success of your financial planning strategy.
Book a meeting with a financial planner
Our initial meeting comes at no cost – it’s an opportunity for us to get to know each other and allows us to gain an insight into your current situation, goals, and objectives.
Our friendly financial planning team bring a wealth of experience and expertise. All our discussions are confidential, and you will never be asked to commit or sign up during our first meeting.
How to get in touch
6 Wrotham Business Park
Barnet
EN5 4SZ
Should I save or invest my capital?
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While the terms 'saving' and 'investing' are often used interchangeably, they are in fact entirely distinct.
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Saving refers to depositing cash into a savings account, current account, or Cash ISA, where a known amount of interest is added on a periodic basis.
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Investing refers to using your capital to buy assets that fluctuate in value, where the return cannot be guaranteed or predicted.
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Our financial planners will help you understand how much you should save, how much you might consider investing, and the impact of these decisions on your financial plan.
All information It is based upon our current understanding of current legislation and HMRC guidance. While we believe this interpretation to be correct, it cannot be guaranteed that such information is accurate as of the date it is received or that it will continue to be accurate in the future. Thresholds, percentage rates and tax legislation may change in Finance Acts and bases of, and reliefs from, taxation are subject to change and their value depends on an individual’s personal circumstances.
Investments carry risk. The value of your investments (and income from them) can go down as well as up, and you may get back less than you invested. Past performance is not a reliable indicator of future results. Investments should be considered over the longer term and should fit in with your overall attitude to risk and financial circumstances.