Investments

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Investment Portfolio Management
Giles Warren Financial also offer an investment portfolio management service to select clients. If you are currently in charge of your own investment portfolio management but are considering bringing in a professional then give us a call. As independent financial advisors we can give investment portfolio management advice that is both impartial and focused on what is best for you, the customer. Our investment portfolio management is currently our most rapidly growing service, largely in response to volatile market conditions and the uncertainty that brings. It is at times like these that you need an experienced hand to guide your investment portfolio management to ensure risks are minimised and any emerging opportunities are considered in good time.

General Information on Savings - Individual Savings Account (ISA)
ISAs are the way to save and invest without paying income tax or capital gains tax (CGT) on the proceeds. They were launched in April 1999 for an initial ten-year period as the successor to PEPs (Personal Equity Plan) and TESSAs (Tax Exempt Special Savings Account). ISAs are not investments in themselves. Do not think 'I've invested in an ISA', instead think 'I've invested in abc fund using an ISA wrapper'. It is possible to invest in cash, life insurance and stocks and shares (including funds which invest in these). Not all companies offering ISA wrappers offer the full range of choice of products that can go into them.

 It is advisable to identify products that have a record of good performance from the underlying investments and have low charges. A lump sum, a series of lump sums or a regular amount can be invested. The minimum amounts vary from company to company. In general, ISAs are not suitable for money you may need ready access to. Money can be easily withdrawn, but cannot be replaced if the full allowance has already been used. You should be prepared to commit yourself for three to five years or more.

Some people are using their ISA allowances as an extra Retirement provision, because they are able to take 100% cash from them if needed.

You can transfer your cash ISA to another ISA manager, either into another cash ISA or into a stocks and shares ISA.

You can transfer your stocks and shares ISA to another ISA manager, but only into another stocks and shares ISA. You cannot transfer a stocks and shares ISA into a cash ISA.

You are able to transfer some or all of the money saved in previous tax years without affecting your annual ISA investment allowance.

Not happy with how your ISA is performing – call us now for an informal chat on 01753 626866.

To find out more please make an enquiry and an adviser will call you back.