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Investing and personal wealth

This section of our site is aimed at those who are interested in investment products with more risk attached than a savings approach based on deposit accounts and ISAs, for example. Topics covered include: stocks and shares, unit and investment trusts and capital gains tax.

Unit trusts

A basic explanation of unit trusts.

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Single premium investment bonds

These are investments packaged as life assurance, primarily designed for investment but with an insurance over-ride (often 101% of the investment value).

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Onshore and offshore bonds

Investment bonds are usually single premium life insurance contracts. They are sold by life insurance companies to allow customers to invest in a range of funds managed by professional investment managers.

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Exchange-traded funds (ETFs)

Exchange-traded funds are index-tracked investment funds that trade on a stock exchange. They are generally used to track the performance of particular market indices.

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Enterprise Investment Scheme (EIS)

The Enterprise Investment Scheme is a government scheme designed to help smaller higher risk companies raise finance. It does this by offering a range of tax reliefs to investors.

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Stock and shares - equities

Stocks and shares are the most widespread types of equity that most people will get involved with in investment terms.

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Risk and reward

Part of our role as a financial adviser is to help you determine your attitude to risk, and help select investments that will meet your needs.

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Sensible investing

This is all about dividing your monies into various sections to cover all your needs, and of course meeting your risk-reward profile.

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Turning assets into income and avoiding capital gains tax

For most people, capital gains tax becomes a concern only when they want to turn long-term investments into income, typically when they retire and want to start using their savings to top up their pension.

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Monthly Premium Calculator

Calculate future fund values based on monthly premiums.

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Single Premium (Lump Sum) Calculator

Calculate future fund values based on single premium.

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Target Lump Sum Calculator

Calculate how much to invest to achieve are certain lump sum target at a given time in the future.

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