Do you want to grow your capital or create a tax efficient income?
We provide advice to those interested in building an investment portfolio, taking into account your objectives and personal circumstances.
We have access to differing investment specialists that manage money to match your attitude to risk. We can also help identify ways to save tax and ensure that your affairs are managed in a tax efficient manner.
Building a Portfolio
Whether you have disposable income from your salary that you want to invest on a regular basis, or you have inherited money from a relative, building an investment portfolio is personal to you and your goals.
We can tailor a portfolio that considers your short, medium and long term requirements. We know that life is ever changing, and part of our service is to regularly review your portfolio to ensure plans stay on track and any changes can be catered for.
We offer independent advice and work closely with a number of investment managers. We have access to a wide range of different investment wrappers and funds to suit your circumstances.
Allowances
At present individuals have an annual Individual Savings Allowance (ISA) of £20,000. These funds grow free from any income or capital gains tax. This is an annual allowance and is lost if not used every tax year.
Children also have an annual ISA allowance of £9,000.
Throughout your lifetime governments will change and budgets can change savings and tax allowances on a regular basis. It is fundamental to keep up to date with these as part of long term financial planning. By using a combination of tax wrappers and allowances, it may be possible to reduce or manage the amount of tax payable on income.
The use of dividend allowance, capital gains tax allowance and savings allowances can significantly increase the funds drawn without incurring tax. Allowances are subject to change and will depend on individual circumstances.
Our initial no-obligation meeting is free of charge and allows us to look at your financial profile to ensure a strong ongoing relationship can be built.
8 Corunna Court, Corunna Road, Warwick, CV34 5HQ
01926 498808 | enquiries@davidsonpertfa.co.uk