Stock markets have provided excellent returns for many investors, generating both rising distribution income and substantial capital growth.  However, stockmarket investments can be volatile, with values moving down as well as up.

Unit Trusts & OEICs

It is normally important to achieve a spread of holdings across a wide range of fixed interest bonds and shares, sectors and markets to reduce volatility.  Often the best way to invest in the world's stock markets is buy unit trusts and OEICs, because they provide you with active professional management, diversification and capital gains tax advantages.  There is a large selection of ethically screened and green investments in the form of unit trusts and OEICs.

ISAs

Individual Savings Accounts (ISAs) allow you to build up investments free of UK income tax on interest and capital gains tax.  The investment can be made as a one-off single payment or on a regular monthly basis, but there are restrictions on how much can be invested during any one tax year.  We can identify the best plan to meet your particular financial investment needs as well as comply with your ethical considerations from a wide selection of ethically screened and green ISAs.

Bonds

You may be interested in investment bonds [single premium life assurance policies] which are similar to unit trusts in some ways.  However, they are taxed differently and also allow the investor to hold a mixed portfolio of equities, gilts, property and cash deposits within the one plan.  Bonds may be particularly attractive to trustees and investors who pay higher rate income tax. There are also specialist income and growth bonds, whose availability and rates can change on a daily basis. 

Banks and Building Society Deposit Accounts

You normally need cash deposits to meet your short term liquidity requirements.  But if you are concerned where your money is put to work you cannot use just any high street bank or building society and may need our advice. We can advise on which banks and building societies provide the most appropriate service for your particular ethical needs.

Portfolio Management

If you have a larger amount of money to invest [more than £100,000] we can arrange for funds to be invested economically on an individual basis by an experienced portfolio manager and offer ethical selection to your own specification. Read about our ethical Stockbroking service.