Savings & Investments

A range of investment solutions designed to enable you to have the potential to obtain returns greater than those typically available from cash or deposit based accounts.

How?

Why?

Types

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Process

Solutions

By investing your money more actively, you are trying to obtain a greater level of income or growth on your capital but it is important that you understand the relationship between 'risk and reward' for the money you have invested or exposure to the possibility of losses.

How do investments work?

You commit a regular amount, single or ad hoc payments into an investment vehicle provided through a product provider or financial institution. Your money is then invested into a suitable range of investment funds based on your attitude to risk and these offer access to various asset classes, such as; Cash, Fixed Interest Securities, Bonds, Commodities and Equities (stocks & shares).

Why should I invest my money?

Firstly, not everyone is willing or able to invest their money actively and prefer to keep their capital in deposit or cash-based accounts typically provided through Banks and Building Societies. However, this approach doesn’t offer the opportunity to combat the long-term effects of inflation and whilst suitable for short-term accessible funds, some investors require the potential for improved returns by accepting some exposure to investment risks.

What type of investment products are available?

There are a wide range of investment solutions available within the marketplace designed to meet the majority of investor needs. There are some tax-beneficial products designed to encourage investors to save their capital but within certain allowances (e.g. Individual Savings Accounts) and other products that offer access to specialist markets or preferential ways that your capital and/or income is treated.

How can CPS help?

We are able to guide you through all the available investment products available in the marketplace and provide you with access to an appropriate solution for your needs. These products include; ISA’s, OEIC’s, Investment Bonds and Savings Accounts offered through the leading providers and investment platforms.

We are also able to provide you with guidance on a suitable investment strategy based on your acceptable risk parameters and objectives. By assessing product and fund charges, we offer you access to competitively priced plans so that you can maximise your investment returns.

You decide the amount and frequency of your investment, also the term you anticipate investing for and whether you are looking for growth, income or a combination of both.

arrow down for risk assessment

You complete our risk profiling process and through discussions with our support team, your acceptable risk parameters are agreed.

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A suitable investment product is chosen based on your needs and personal circumstances, along with an underlying investment portfolio of funds and assets designed to meet your goals.

An ISA is a tax-efficient way to save or invest your money.

The annual ISA allowance for the 2017-18 tax year is £20,000 and this is reviewed each year on 6th April. You can invest in cash or Stocks & Shares (Equities) or both up to the annual allowance.

There is also a junior ISA allowance, currently set at £4,128.

By investing in Stocks & Shares, the potential returns can be higher than those available from cash-based accounts. Any gains you make within an ISA are free from Capital Gains Tax, although some tax could be paid within the underlying investment fund.

Investing in Stocks & Shares should be considered for the medium to long-term (typically a minimum of 5 years) and you should note that the value of your investment can go down as well as up so you may get back less than you originally invested.

CPS will assist you in deciding if an ISA is suitable for your needs and an appropriate investment strategy or whether an alternative product would be better for your objectives.

A GIA is a flexible investment way of investing in a range of funds and assets. It does not have the same tax beneficial treatment as an ISA and is therefore often used for ‘excess funds’ over and above the annual ISA allowance.

Dividends received on the underlying investments have a non-refundable tax credit, which satisfies a basic rate taxpayer’s liability in full. However, some investors may be liable to Income Tax at a higher rate depending on their individual circumstances. Also, selling and switching investments within the GIA may be liable to Capital Gains Tax if you exceed your annual allowance.

A GIA can offer higher potential returns than those available from cash-based accounts. However, when investing in Stocks & Shares this should be considered for the medium to long-term (typically a minimum of 5 years) and you should note that the value of your investment can go down as well as up so you may get back less than you originally invested.

CPS will assist you in deciding if a GIA is suitable for your needs and an appropriate investment strategy or whether an alternative product would be better for your objectives.

An Investment Bond can be available on-shore or off-shore and allows you to invest through a single premium life insurance policy. A small element of life insurance is paid out in the event of death on top of your investment but this is still primarily an investment vehicle.

Due to the way that these policies are treated, they do offer a potential tax-efficient way of holding your capital. You can invest in a range of funds and assets. Investment Bonds are also often used as a tax planning solution for certain individuals and can usually be placed in Trust where appropriate.

An Investment Bond can offer higher potential returns than those available from cash-based accounts. However, when investing in Stocks & Shares this should be considered for the medium to long-term (typically a minimum of 5 years) and you should note that the value of your investment can go down as well as up so you may get back less than you originally invested.

CPS will assist you in deciding if an investment bond is suitable for your needs and an appropriate investment strategy or whether an alternative product would be better for your objectives.

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