investments.html

Making best use of your capital & surplus income. To be financially organised is an objective of many, but achieved by so few. At Quantum Financial, we aim to Build up and look after capital tax efficiently Make the most of any money you have Invest in Unit Trusts, OEICs, Investment Trusts, Mutual Funds All Area of investments covered We are advisers NOT salespeople Guaranteed regular reviews not annual We are not tied to any provider or group of providers. At Quantum Financial our aim is to ensure that your money works as hard as possible to maximise your opportunities. In order to achieve this we look at the following options to decide which investment strategy to take for you. What is your attitude towards risk? Do you want to take no risk, or a middle of the road risk, or are you more of a higher risk investor. Do you require access to all or part of the capital in emergencies? As the unexpected can always happen, how crucial is any investment to your finances. Do you require an income from your capital? Are you looking for growth from your money or do you need extra income? How long do you want to invest the money? Are you just putting some aside for a year or are you looking to invest for the longer term. What is your current tax situation? Can we use your tax situation to reclaim some of your tax or minimise the tax you pay on your investments. How is the money already invested? Can we make minor adjustments that will improve your portfolio rather than having to make major changes? Risks As we all have different attitudes to risk it is important you decide for yourself what level of risk you are personally willing to take. There are three levels of risk associated with any type of investment or pension: None: current bank account, national savings, building society account. Low: with profit funds, gilt funds, fixed interest funds. Medium: unit linked funds, balance managed, UK growth, European growth, UK equity, property funds. High: smaller companies, emerging markets, Japan and Far East, specialist funds. A full explanation of the risks associated as well as the best type of fund for your circumstances can be discussed with one of our Independent Financial Advisers. Based on the information that you provide, we can build an investment portfolio, which would contain one or more of the following types of investments. Bank and Building Society Accounts These can provide instant access to your money and high rates of interest on certain accounts, but will not offer the type of returns that the stock market could potentially offer. National Saving Accounts These offer complete security for any capital invested, but tend to offer a lower interest rate than other financial products. Individual Savings Accounts These offer tax efficient savings of up to £7,000 per annum with no tax payable on the returns generated by the ISA. ISAs offer a choice of investing cash, or stock market based products. Insurance Bonds Issued by life assurance companies, they offer a wide range of investment opportunities. Unit Trust/Investment Trusts These offer both income and capital growth and tend to specialise in particular areas. There are around 2,500 trusts and they offer varying degrees of risk. Each trust will contain investments in several different companies. Open Ended Investment Companies (OEICs) A Sophisticated investment vehicle whereby you buy shares in a company that manages investments. Offshore Funds This is where your money is invested outside the UK to take advantage of lower tax rates. Ethical Funds This is where money is invested in funds that actively do not invest in certain types of company such as alcohol, tobacco or arms manufacturer. The value of investments is determined by the value of units, the price of which can fall as well as rise. You may get back less than you originally invested, especially in the early years.

Investments

`Investments`