Investment Planning
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Different Types Of Investments
ISA's
ISAs allow you to save or invest without paying tax on growth or income generated within the account. There are several types available and each has different features that may suit different needs. You can contribute up to £20,000 across all ISAs in the 2024–2025 tax year. A financial adviser can help you choose an ISA that aligns with your objectives and attitude to risk.
Stocks & Shares ISA's
A Stocks & Shares ISA is an investment account where gains and income are sheltered from tax. Investment values can fluctuate, and returns are not guaranteed. You can choose managed funds or individual investments depending on your preferences and risk tolerance. A financial adviser will help ensure your investment choices match your personal circumstances.
Cash ISA's
A Cash ISA works similarly to a savings account but with annual contribution limits and tax-free interest. The capital is accessible, but returns may be affected if inflation is high. You can contribute up to £20,000 in the 2024–2025 tax year, provided you meet eligibility requirements. An adviser can help you select a Cash ISA appropriate for your needs.
Lifetime ISA's
A Lifetime ISA can help eligible individuals save either for their first home or for retirement, with contributions receiving a government bonus. It is available as both a cash and an investment option. You can contribute up to £4,000 per year and receive a 25% government bonus, subject to conditions. Withdrawals not meeting government criteria may result in a loss of the bonus.
Junior ISA's
Junior ISAs offer a tax-efficient way to save for a child’s future, with contributions locked in until age 18. Anyone can contribute up to the annual limit of £9,000 for the 2024–2025 tax year. The account becomes the child’s at age 18 and automatically converts into an adult ISA. A financial adviser can help determine whether a cash or investment option is more suitable.
Innovative Finance ISA's
Innovative Finance ISAs allow investment in peer-to-peer lending with returns sheltered from tax. The risks can be higher, and capital is not guaranteed. You can contribute up to £20,000 in the 2024–2025 tax year if you meet eligibility requirements. Professional advice can help ensure this type of ISA is appropriate for your risk profile.
Unit trusts
Unit Trusts allow investors to pool money into a fund managed by professionals, helping achieve diversification. Funds may be actively managed or passively track a market index, each with different cost and risk levels. Returns can be distributed as income or reinvested for growth, both of which may have tax implications. A financial adviser will assess whether Unit Trusts fit your wider financial plan and risk profile.
Investment Bonds
Investment bonds are medium- to long-term investments that offer potential for growth and can provide flexible withdrawal options. They can be useful in certain tax and estate-planning scenarios but are not as tax-efficient as ISAs. Both onshore and offshore bonds have different tax considerations, and withdrawals above the 5% annual allowance may create a tax charge. Due to their complexity, advice is important to ensure they are appropriate for your circumstances.
Meet Your Financial Advisor
PAB Wealth Management offers financial advice throughout the local area and has been created through the drive of our founder Luke Thompson.
Luke has been working in financial services for the past fifteen years starting with a local insurance brokerage before moving to providing mortgage and protection advice and now also offering financial advice to our clients. We look to provide a holistic approach to financial advice based on each individual customers own needs.
Our aim is to provide the same level of customer experience that customers have been able to receive for many years through our sister company PAB Mortgages.
Here at PAB Wealth we believe that financial advice should be affordable and available to anyone who needs it. We treat all our customers in the same manner from first time investors to long term investors.
Investing for Income:
Long term investors looking for income, have been seeking alternative homes for their capital since the 2007 financial crisis. With low interest rates and high inflation the value of money held in savings accounts has been depreciating for a number of years. Investing for income has become more important than ever in recent years to help mitigate the impact of inflation and low interest rates.
PAB Wealth Management’s financial advisors offer a range of income solutions, investing across a range of asset classes, helping us to provide a diversified, personally tailored portfolio. With interest rates currently low, investors could consider alternative sources of income:
Fixed Interest – corporate bonds and gilts offer the potential for increased income in times of low interest rates.
Equities – while in the short-term equities can be volatile, history shows us that they have outperformed all other asset classes over the longer term and offer the potential for capital growth and rising income for investors.
Commercial Property – while the commercial property market offers an opportunity to achieve capital growth over the longer term, the primary return for investors is rental income. By securing long leases with financially secure tenants, commercial property could potentially offer attractive and sustainable income levels.
Diversification and risk management remain the keys to long-term success in challenging markets. By working PAB Wealth Management’s qualified financial advisors you will have access to investment expertise and the opportunity to invest across a range of different investment firms. Spending time with your financial advisor to assess if investing for future income is right for you is important. Our financial advisors will discuss with you making any investments that you may make as tax efficient as possible.
The value of an investment with PAB Wealth management will be directly linked to the performance of the funds selected. The value of units can fall as well as rise, and you may not get back all of your original investment.
A pension is a long term investment. The fund value may fluctuate and can go down. Your eventual income may depend upon the size of the fund at retirement, future interest rates and tax legislation.
Tax treatment is dependent on individual circumstances and may be subject to change in future. Tax planning advice is not regulated by the Financial Conduct Authority.