Investment Advice

Choosing what and where to invest can be a daunting process as, broadly speaking, when you make the decision to invest rather than save, you are agreeing to take on a higher level of risk with the aim of achieving higher levels of return over time.

When it comes to planning for the financial future of you and your family, how you choose to invest will depend entirely on your personal circumstances and what you want to achieve in the future.

For example, if you’re investing for your retirement you will need to employ a different strategy than if you’re aiming for a shorter term goal. With so many investment options available there are a multitude of products that could help you to achieve your medium and long-term objectives.

Your Fairstone adviser will work with you to create an investment plan that balances your key objectives with your attitude to risk, accounting for your current and potential tax position. We will also develop the best investment management plan for you, to help ensure that your money is working as hard as possible to help you achieve your goals.

Our experienced network of investment advisers are completely independent and can help you access the whole investment market, advising on the most appropriate choice for you and your family.

Open-Ended Investment Companies (OEICs) and Unit Trusts are seen by many as the most popular investment funds available. Both are a type of collective investment where you invest your money alongside other investors, spreading the risks involved.  

When investing in an OEIC you buy shares in the company itself.  The company uses the pooled funds from all the investors to buy assets on your behalf, such as stocks and shares, gilts, and property. The investment is ‘open-ended’ as the assets (represented by your shares), can be changed, bought or sold at any time.

It is important to understand the level of risk involved in investing in an OEIC as different investments involve more risk than others. It is always a good idea to have an understanding of the types of assets the OEIC invests in to make sure they fit in with your investment plan and your preferred level of risk.

In a unit trust, you can buy or sell ‘units’ of a fund that’s run by a fund manager. As a unit trust invests in a range of different assets, the risk to your money is spread, however it is always important to remember that the value of your investment can go down as well as up.

OEICs and Unit Trusts are often attractive to those that wish to invest but don’t have the knowledge or expertise to go it alone.  

Our experienced financial advisers can help you develop the investment strategy that is right for you and your circumstances. Find a Fairstone adviser in your area today.

Investment trusts are listed companies with shares that trade on the stock market that have always been popular amongst savers.

Although more recently they have arguably been overshadowed by higher-profile unit trusts and open-ended investment companies (OEICs).

Investment trusts buy shares in other companies, pooling their assets to build portfolios in specific sectors, reducing the risk for investors.

Trusts invest in the shares of other companies and are closed end, meaning the number of shares or units the trust's portfolio is divided into is limited. Investors can buy or sell these units to join or leave, but new money outside this pool cannot be raised without formally issuing new shares.

Investment trusts can be a good way to access a diversified portfolio of assets and they are linked with paying good dividends with comparatively lower charges than other trusts although as with all financial products it is important to remember that your investments can go down as well as up.

Our experienced financial advisers can help you develop the investment strategy that is right for you and your circumstances. Find a Fairstone adviser in your area today.

One of the more traditional ways to invest is to buy shares in a company.  As a shareholder, you take an equity stake in a business, which is why shares are also known as equities.

If you are looking to see maximum growth in your investment portfolio then equities might be the best option for you, however, this potential for growth comes with the highest level of risk.

Our experienced financial advisers can help you develop the investment strategy that is right for you and your circumstances. Find a Fairstone adviser in your area today.

Investment bonds are single premium investments which usually offer an open ended term and a variety of different investment options can be accommodated within this tax efficient wrapper.

An Investment bond operates under special rules which give the opportunity to plan income and defer potential income tax liabilities and any gains made are not subject to capital gains tax on the policyholders. This investment vehicle can be used as a valuable tax and investment planning tool as part of a portfolio of personal investments or investments made on behalf of a Trust.

Our experienced financial advisers can help you develop the investment strategy that is right for you and your circumstances. Find a Fairstone adviser in your area today.

As there are usually no minimum periods of investment and limited tax implications, ISAs can be an attractive proposition, especially to those paying tax.

Stocks and shares ISAs offer the possibility of higher returns than their cash alternatives but they do come with higher associated risk. Unlike a cash ISA which offers tax free saving, a stocks and shares ISA lets you put money into range of different investments, including unit trusts, open-ended investment companies (OEICs) and investment trusts, as well as government and corporate bonds free of income and capital gains tax.

During the 2016/17 tax year you can place up to £15,240 into an ISA; this will rise to £20,000 in April 2017.

 

Our experienced financial advisers can help you develop the investment strategy that is right for you and your circumstances. Find a Fairstone adviser in your area today.

Our advisers have access to Marketstar range of multi-asset portfolios which are run by Fairstone Private Wealth, our in-house asset management division.

There portfolios are aimed at delivering steady growth over the medium term (3 years or longer) with a focus on capital preservation with no nasty shocks. Marketstar portfolios are available on up to 12 leading retail platforms in a variety of tax wrappers. Your financial adviser will assess whether these portfolios are suitable for your individual needs from all equivalent products from the whole of the market.

Our experienced financial advisers can help you develop the investment strategy that is right for you and your circumstances. Find a Fairstone adviser in your area today.

Unit Trusts and OEICs

Open-Ended Investment Companies (OEICs) and Unit Trusts are seen by many as the most popular investment funds available. Both are a type of collective investment where you invest your money alongside other investors, spreading the risks involved.  

When investing in an OEIC you buy shares in the company itself.  The company uses the pooled funds from all the investors to buy assets on your behalf, such as stocks and shares, gilts, and property. The investment is ‘open-ended’ as the assets (represented by your shares), can be changed, bought or sold at any time.

It is important to understand the level of risk involved in investing in an OEIC as different investments involve more risk than others. It is always a good idea to have an understanding of the types of assets the OEIC invests in to make sure they fit in with your investment plan and your preferred level of risk.

In a unit trust, you can buy or sell ‘units’ of a fund that’s run by a fund manager. As a unit trust invests in a range of different assets, the risk to your money is spread, however it is always important to remember that the value of your investment can go down as well as up.

OEICs and Unit Trusts are often attractive to those that wish to invest but don’t have the knowledge or expertise to go it alone.  

Our experienced financial advisers can help you develop the investment strategy that is right for you and your circumstances. Find a Fairstone adviser in your area today.

Investment Trusts

Investment trusts are listed companies with shares that trade on the stock market that have always been popular amongst savers.

Although more recently they have arguably been overshadowed by higher-profile unit trusts and open-ended investment companies (OEICs).

Investment trusts buy shares in other companies, pooling their assets to build portfolios in specific sectors, reducing the risk for investors.

Trusts invest in the shares of other companies and are closed end, meaning the number of shares or units the trust's portfolio is divided into is limited. Investors can buy or sell these units to join or leave, but new money outside this pool cannot be raised without formally issuing new shares.

Investment trusts can be a good way to access a diversified portfolio of assets and they are linked with paying good dividends with comparatively lower charges than other trusts although as with all financial products it is important to remember that your investments can go down as well as up.

Our experienced financial advisers can help you develop the investment strategy that is right for you and your circumstances. Find a Fairstone adviser in your area today.

Equities

One of the more traditional ways to invest is to buy shares in a company.  As a shareholder, you take an equity stake in a business, which is why shares are also known as equities.

If you are looking to see maximum growth in your investment portfolio then equities might be the best option for you, however, this potential for growth comes with the highest level of risk.

Our experienced financial advisers can help you develop the investment strategy that is right for you and your circumstances. Find a Fairstone adviser in your area today.

Investment Bonds

Investment bonds are single premium investments which usually offer an open ended term and a variety of different investment options can be accommodated within this tax efficient wrapper.

An Investment bond operates under special rules which give the opportunity to plan income and defer potential income tax liabilities and any gains made are not subject to capital gains tax on the policyholders. This investment vehicle can be used as a valuable tax and investment planning tool as part of a portfolio of personal investments or investments made on behalf of a Trust.

Our experienced financial advisers can help you develop the investment strategy that is right for you and your circumstances. Find a Fairstone adviser in your area today.

ISAs

As there are usually no minimum periods of investment and limited tax implications, ISAs can be an attractive proposition, especially to those paying tax.

Stocks and shares ISAs offer the possibility of higher returns than their cash alternatives but they do come with higher associated risk. Unlike a cash ISA which offers tax free saving, a stocks and shares ISA lets you put money into range of different investments, including unit trusts, open-ended investment companies (OEICs) and investment trusts, as well as government and corporate bonds free of income and capital gains tax.

During the 2016/17 tax year you can place up to £15,240 into an ISA; this will rise to £20,000 in April 2017.

 

Our experienced financial advisers can help you develop the investment strategy that is right for you and your circumstances. Find a Fairstone adviser in your area today.

Marketstar Portfolios

Our advisers have access to Marketstar range of multi-asset portfolios which are run by Fairstone Private Wealth, our in-house asset management division.

There portfolios are aimed at delivering steady growth over the medium term (3 years or longer) with a focus on capital preservation with no nasty shocks. Marketstar portfolios are available on up to 12 leading retail platforms in a variety of tax wrappers. Your financial adviser will assess whether these portfolios are suitable for your individual needs from all equivalent products from the whole of the market.

Our experienced financial advisers can help you develop the investment strategy that is right for you and your circumstances. Find a Fairstone adviser in your area today.