Are you making the most of your tax allowances? Investing through a tax-efficient wrapper maximises the returns for you and your family.
We take the time to build a comprehensive understanding of your individual circumstances, and your tax position forms part of this. We will always look to ensure that you are taking advantage of all relevant tax allowances when helping to structure your finances and manage your investment portfolio.
Two of the most commonly used wrappers are ISAs and Self-Invested Personal Pension plans (SIPPs), which are looked at in more detail below.
Others include Venture Capital Trusts (VCTs) and Enterprise Investment Schemes (EISs), although they are inherently risky and not suitable for everyone.
We will look to make efficient use of your dividend tax allowance, capital-gains tax and personal savings allowances.
Holding a proportion of your portfolio in an Individual Savings Account (ISA) is a particularly tax-efficient way to invest.
Any capital gains made within an ISA are free of any liability to capital-gains tax (although any realised losses cannot be set against gains elsewhere).
Self-Invested Personal Pension plans
The Self-Invested Personal Pension plan (SIPP) has become a mainstay of many people’s retirement planning, offering a uniquely flexible way to provide for income in retirement.
We manage SIPP investment portfolios for a large number of clients, usually within an NW Brown SIPP wrapper to reduce the administrative burden for you. However, we are happy to work with your existing provider, should you prefer this.
As well as SIPPs, we offer management of Small Self-Administered Schemes (SSASs).
For more information about our wealth management services, simply complete our enquiry form, send us an email or call our Cambridge office on 01223 720208 or our Norwich office on 01603 692731.
Please note that, as with any investment, your money is at risk. The value of your investments can go down as well as up and you may receive back less than you invest.