Investment Planning

Our investment strategy is based on understanding your needs and providing flexible investment options to help you to meet your financial goals.

Investing can offer you a good opportunity of growing your money over the longer term. A long-term approach to investing is generally accepted as being likely to provide the most benefit. Whether you start paying in to a personal pension, invest in an ISA or invest on behalf of your children, the earlier you start the better.

Both saving and investing can be used to meet both short and long-term financial needs. Short-term needs may include saving for a car or a holiday, whereas long term-investment needs could be saving for retirement, school fees or providing capital for children as they grow up.

A financial adviser can offer expertise and objectivity when choosing to save and invest wisely; helping you find the best solution for your current circumstances. It is always good to take the effort to ensure you are as informed as possible.




Investment Strategy

Your investments will be diversified across a range of assets to ensure we maximise any opportunities, while managing risks in line with your requirements.

The various assets owned by an investor are called a portfolio. As a general rule, spreading your money between the different types of asset classes helps lower the risk of your overall portfolio underperforming.

Planning investments takes time. This is where we can help, both in advising you on your investment needs and your portfolio.

Please contact us so that we may assist you in determining an investment strategy most appropriate for your needs and circumstances.

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

Tax treatment depends on the individual circumstances of each client and may be subject to change in future.




Lifetime ISA

Lifetime ISA Accounts

Since April 2017, any adult under 40 can open a new Lifetime ISA. Up to £4,000 can be saved each year and savers will receive a 25% bonus from the government on this money.

Money put into this account can be saved until you are over 60 and used as retirement income, or you can transfer it to help buy your first home.

The value of investments and income from them may go down. You may not get back the original amount invested

Tax treatment depends on the individual circumstances of each client and may be subject to change in future.




Planning your future - a diverse portfolio that includes ISAs

Individual Savings Accounts (ISAs)

You can save tax-free with Individual Savings Accounts (ISAs).

In the 2019 to 2020 tax year, the maximum you can save in ISAs is £20,000

There are a number of different types of ISAs, including:

  • Junior ISA (under 18s)
  • Cash ISAs
  • Stocks and Shares ISAs
  • Innovative Finance ISAs
  • Lifetime ISA

Each tax year you can put money into one of each kind of ISA. The tax year runs from 6 April to 5 April.

You can save up to £20,000 in one type of account or split the allowance across 2 or 3 types.

The value of investments and income from them may go down. You may not get back the original amount invested.

Tax treatment depends on the individual circumstances of each client and may be subject to change in future.




ISA

Investment Trusts

An investment trust is a company that raises money by selling shares to investors and then pools that money to buy and sell a wide range of shares and assets. Different investment trusts will have different aims and different mixes of investments.




The value of investments and income from them may go down. You may not get back the original amount invested.



Mortgage Pensions and Investments Limited Liability Partnership is authorised and regulated by the Financial Conduct Authority (https://register.fca.org.uk/).
Financial Services Register No: 454273

Mortgage Pensions and Investments LLP
Registered Address:
88 East Hill, St Austell, Cornwall, PL25 4TR
Registered in England and Wales, No. OC319405

The guidance and/or advice contained in this website is subject to the UK regulatory regime and is therefore restricted to consumers based in the UK
Decisions should not be taken based solely on the content of the website and individual advice should be sought first.
Regulations, levels and bases of taxation are subject to change.