If you want to maintain and grow your wealth, savings and investments will be key to your growth strategy. However, investing can be complex and risky without expert management and knowledge behind it. With Foresight as your financial planners, you can have confidence in your savings and investment portfolio and know that it is being expertly managed to realise your goals.
Helping you to achieve your financial objectives is our number one objective. This is why we take time at the outset to understand your ambitions, attitude to risk and time frame. For example, you might be an ambitious investor seeking high risk growth opportunities or someone with a more cautious approach simply wanting your investments to keep pace with inflation. Whatever your motivation, we provide you with peace of mind that we understand what you want to achieve and genuinely care about making that happen.
To ensure we provide you with sound investment recommendations, we conduct thorough research and analysis to determine the mix of savings and investments within your portfolio.
Your portfolio may include any of the following:
An ISA is an individual savings account where you can save money in a tax-efficient way. Cash ISAs are tax-free savings accounts, so you do not pay tax on the interest you earn.
An investment ISA (also known as a stocks and shares ISA) allows you to hold a wide range of investments such as shares, collective investment funds and bonds within a tax-free environment.
An Alternative Investment Market (AIM) ISA is a portfolio of AIM-listed shares held within an investment ISA. Any growth or income on your money is tax-free. Also, many AIM shares qualify for Business Relief, meaning they are not liable for inheritance tax if you have held the shares for at least two years when you die.
Offshore investment bonds are similar to onshore investment bonds, but no tax is payable on the underlying growth of the investments, this is known as gross roll-up. This is good as it allows investments to grow without the negative effect of annual taxation. As with onshore investment bonds, these products can be tax-efficient investments for higher rate taxpayers and trusts.
The EIS is a government scheme to help early-stage companies raise funds and grow. If you invest in an EIS-qualifying company, you could receive significant tax breaks. These tax breaks include an income tax rebate of up to 30%, capital gains deferment on recent gains and Inheritance Tax relief.
A VCT is an investment company listed on the London Stock Exchange which raises money to invest in young, innovative, and often privately owned companies. As the government wants to help these companies grow, it offers VCT investors generous tax reliefs. These benefits include up to 30% tax relief against your income tax bill, tax-free dividends and tax-free growth.
If you do not have the time, knowledge or appetite to manage your investments, our service is perfect for you. We provide a complete portfolio management service where we take care of the day-to-day management decisions and maximise potential returns for your portfolio on your behalf. Advising on investments is our day job, so we are always abreast of what is happening in the markets and can react swiftly to changing market dynamics.
With regular reporting and checking in, you will know what is happening with your portfolio and have the opportunity to provide input should you choose.
The information contained within this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK.
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Foresight Financial Planning is the trading name of Foresight Financial Planning Limited whose registered address is as above.
Registered in England, company number is 4119450. Foresight Financial Planning Limited is authorised and regulated by the Financial Conduct Authority and can be found on the Financial Services Register https://register.fca.org.uk/ under reference 788849. VAT registration number 289409553.
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