Investments

Regardless of the scope of our advice, our financial planning is all about you, your aspirations and your circumstances. In other words, it's highly personal and so is our service.

The value of investments and the income they produce can fall as well as rise. You may get back less than invested.

 

Whether you have £10,000, £100,000 or £1,000,000, the same fundamental principles apply to any successful investment planning:

  • Tax efficiency
  • Managing risk
  • Maximising return
  • Diversification
  • Regular reviews

With interest rates at historically low levels, most people recognise that having some exposure to the stock market within a balanced portfolio can make sense for real returns over time. However, investing in the stock market can be daunting, particularly as markets have been volatile and the choice is huge, with over 2,000 investment funds to choose from.

There are two main reasons people invest:

  • To accumulate a lump sum for the future
  • To provide an additional income

There are, however, numerous solutions and we will use our expertise to establish the most appropriate investment for you, and critically, the right level of risk for you. We will also consider the most tax-efficient option for your circumstances and aim to use diversified investment portfolios with the aim of optimising returns.

With increased market volatility, risk management is vital and one way this can be achieved is via our Wealth Management service, which provides peace of mind to know your investment is being monitored with adjustments recommended when required. For further details, please refer to the Finance Shop Wealth Management section

 

Investors do not pay any personal tax on income or gains, but ISAs do pay unrecoverable tax on income from stocks and shares received by the ISA managers.

Tax treatment varies according to individual circumstances and is subject to change.

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Richmond Hill Financial Ltd. Registered address. 71 High Street, Great Barford, Bedford, Bedfordshire, MK44 3LF. Registered in England and Wales. Company number 05640805


Richmond Hill Financial Ltd is an appointed representative of Quilter Financial Services Limited and Quilter Mortgage Planning Limited, which are authorised and regulated by the Financial Conduct Authority. Quilter Financial Services Limited and Quilter Mortgage Planning Limited are entered on the FCA register (http://www.fca.org.uk/register/) under reference 440703 and 440718.

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