Investments

What do I need to know?
The choices are complex, and you need to balance the books between risk and reward. You can plan for specific events by investing lump sums and/or on a regular basis. We can help you calculate the amount required to set aside for future events.

What else do I need to know?
Bank / Building Society accounts and National Savings are considered to be very safe investments - deservedly so. Not all though, are suitable for all taxpayers.

Tax efficient “wrappers” can be used to shield investments from tax in certain circumstances. These have been well documented in the past as Personal Equity Plans (PEP’s), Tax Exempt Special Savings Accounts (TESSA’s), and Individual Savings Accounts (ISA’s). Investment Bonds can be useful to defer potential tax or access tax efficient withdrawals.

All investments carry some degree of risk - not all as apparent as others. Investments often considered to be risk free, such as cash deposits - bank or building society accounts - carry their own risk - erosion by inflation, especially in times of low interest rates.

The choices are very complex, at Ardent Finance we take a holistic approach to investment balancing clients needs with the demands of their lifestyles, so why don't you just contact us for an investment review?

HM Revenue & Customs practice and the law relating to taxation are complex and subject to individual circumstances and changes which cannot be foreseen.

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