Investment
We are bombarded almost on a daily basis with advice from our banks and the media as to where we should invest. But how do you know if what they are advising is really right for you?
At McCarthy Taylor we focus on you, the individual seeking our advice. The benefit of being a fee-based practice is that it is in our interest to provide you with the best advice suitable to your circumstances, not try to sell you the investment which will make us the most commission.
We will advise you on the right choice of assets to suit your needs and investment risk profile. This will include:
- Shares
- Government Conventional and index linked Gilts
- Corporate Bonds
- Cash deposits
- Property
- Commodities
- Alternative investments for example Infrastructure or Fine Wines
There are a myriad of investment solutions available upon which we can advise you to handle these investments efficiently and utilising tax advantages where appropriate. These include, but are not limited to:
- Individual Savings Accounts (ISAs)
- Collective Investment funds such as Unit Trusts, OEICs, Investment Trusts
- Exchange Traded Funds
- Investment Platforms
- Investment Bonds (onshore and offshore)
- Stock broking Accounts
- Venture Capital Trusts (VCT)
- Enterprise Investment Schemes (EIS)
We provide quarterly valuations of your portfolio, and offer ongoing advice, to ensure the investment strategy is amended to reflect changing investment conditions.
Our goal is to look at your circumstances as a whole, and take into account all factors when providing advice, such as tax implications, so that you can be assured your money is working hard for you.
We do this by investing in technology and research, by having developed tried and tested techniques, by avoiding expensive, complex and confusing ‘products', by utilising our strong relationships within the Financial Services Sector to obtain quality information, high value services for our clients at competitive prices and above all putting our clients' needs first.
As a consequence we have been able to help our clients ‘ride out' recent financial ‘storms' and challenges created by an ever complex and fast moving world.
We recommend the type of investment strategy appropriate for your needs, and the individual investments within those structures, utilising specialist advice where both appropriate and cost effective.
This approach has enabled us to develop a unique and bespoke service.
Whether you require an income from your investments or want to watch them grow, if you want to invest ethically, or for future events, we can provide you with wholly independent, fee-based expert advice.
RISK WARNINGS
You should be aware of the following;
¨ The value of investments and any income generated from these can go down as well as up and you may not be able to realise the full amount of your original investment.
¨ Past performance should not be regarded as a guide to future performance.
¨ The value of investments in property will rise and fall in line with property values and rental income. Realisation might be delayed during a period when property is not readily saleable; property valuation is a matter of judgment by a valuer.
¨ Investing overseas involves the purchase of assets priced in currencies other than sterling. This means that changes in exchange rates as well as asset price changes, will affect the value of such investments.
¨ When investing, if you make regular withdrawals which exceed the growth of your investment, the value of your investment will be eroded.
¨ The tax legislation and practice may change in the future. Any changes may affect your tax position. Our advice is based on current legislation.
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McCarthy Taylor Ltd is authorised and regulated by the Financial Services Authority (http://www.fsa.gov.uk/register/home.do). FSA Registration No: 184658
The Financial Services Authority does not regulate National Savings or some forms of mortgage, tax planning, taxation and trust advice, offshore investments, school fees planning or some types of investment.