Savings and Investments

In a world in which people are living longer, jobs are less secure and the cost of major life commitments like a university education are increasing, we all need to consider saving for the future.  Whether you have a specific saving objective in mind or simply want to ensure that you have more money put aside for a rainy day, WHI can help you to achieve your targets in a well balanced, tax-efficient manner.

In addition to providing advice on putting aside a regular amount, we can help to ensure that any legacy, endowment, work-related bonus, retirement or redundancy package has been invested wisely, by helping you to create a portfolio of products to meet your short and long-term financial needs.

Our service does not stop there.  As both your needs and the financial environment change, we are committed to reviewing plans and portfolios with you to ensure that they continue to meet the goals for which they were designed.  Options that we can provide advice on include:

• Bank and building societies
• National Savings
• Annuities
• Regular saving plans
• School fee planning/funding higher education
• Investment bonds – on and offshore
• Guaranteed income/growth bonds
• Unit trusts
• Investment trusts
• Open ended investment companies (OEICs)
• Child trust funds

In addition to the above services our advisers can also provide advice on:

• ISA wrappers – offering a service which allows clients to maximise the benefits of these tax-efficient products by offering investment opportunities and services in the whole range of qualifying investments.  You can also choose the style of investment services for your plans, either discretionary or advisory portfolio management or advisory dealing or execution only.  Furthermore, there may also be benefits in transferring existing ISAs to WHI.  With all of your plans consolidated in one place, you can take advantage of our competitive charging structure, have just one single point of contact and reduce the amount of paperwork you receive.
   
• The Enterprise Investment Scheme ("EIS") is a government scheme that provides a range of tax reliefs on investments of up to £500,000 for investors who subscribe for qualifying shares in qualifying companies. Income tax relief is available at 20% along with other CGT and IHT reliefs.  EIS is appropriate for those investors who wish to include in their portfolio some high risk companies.
   
• Venture Capital Trusts – VCTs provide a tax efficient avenue to invest in smaller companies.  They also provide tax relief up to 30% if held for a five year qualifying period.  Furthermore, there is no Capital Gains Tax (CGT) on sale and no further tax for higher rate tax payers.

To learn more about WHI savings and investment services, whether for your business or as an individual, please contact your WHI Independent Financial Planner.

To download a factsheet containing the above information, please click here.