Individual Savings Accounts (ISAs)

These are a tax free investment available to anyone over the age of 18 years and UK resident. The rules concerning ISAs are quite complex. Please contact us if you would like our free Guide to ISAs.

   Green/Ethical Investments

Many investment companies are aware of people's concerns as to where their money is invested. To address this concern some of them have set up Green/Ethical investment schemes. Typically, this involves the Fund Manager researching and subsequently investing in companies not connected with, for example, tobacco, weapons, testing on animals and anything harmful to the environment.
Unit Trust Investments

A Unit Trust is an investment whereby private investors can obtain professional management for a wide variety of investments. There is usually a difference between the buying and selling price (typically 5%) and an annual management charge (typically 1%). There are many Unit Trust funds covering all part of the world and investment scenarios. Some Unit Trust companies are converting to OEICs (Open Ended Investment Companies) which will only have one quoted price. You can either invest a lump sum or on a regular savings plan basis.
   Investment Trusts

An Investment Trust is a limited company in which the investor buys shares and therefore becomes a part owner of the company. Investment Trusts invest in shares quoted on the world's major stockmarkets and unlike Unit Trusts they are able to "gear up" by borrowing money in order to maximise any investment opportunity. Potential investors need to remember that as with all Equity type investments there is an element of risk and the returns on an Investment Trust will be influenced by market conditions. Investments can be made by either lump sums or regular savings schemes.
Open Ended Investment Companies (OEICs)



Many unit trusts are converting to OEICs in order to simplify the charging structure so that there is one price. Becoming an OEIC enables the fund manger to widen the investment opportunities. They combine a number of features of unit trusts and investments trusts. An OEIC is a company and investors purchase shares in the company.
   PEP/ISA Transfers

Although PEPs are no longer available it is possible to transfer your PEP or ISA to another provider. This is particularly useful if your current PEP or ISA is under performing.
Regular Savings Plans

Many people like the idea of saving regularly for a set period of time, sometimes, for a specific purpose. Money can be invested in either a With Profits Fund or in a Unit Linked Fund. The former means that investors will benefit from bonuses. The latter is a way of offering investors policies where values are directly linked to investment performance. Investors have the choice of funds in which to invest which can vary from equities & property to international & building society funds.
   School Fees Plans

For parents wishing to educate their children privately, the need to pay for school fees can be a major problem. Most parents do not have sufficient cash to meet school fees so a degree of planning is required. There are various types of plans available and they vary from a loan plan where the parent borrows the money from a bank, to a form of regular saving so that the investor has sufficient capital in the future.
Other Investments

If you are interested in an investment product not covered by our website please do not hesitate to contact us. We will be pleased to give you any information and literature that you may require together with details of our commission sharing arrangements.