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We will work with you to determine how much risk you are happy to take with your investments.
People want their money to work as hard for them as they’ve worked to achieve the money in the first place.
At Eames Laurie we can help find the right investment products for your circumstances and more importantly within your financial comfort zone.
Venture Capital Trusts (VCTs) and Enterprise Investment Schemes (EISs) are higher-risk investments which are aimed at sophisticated and wealthy investors who can afford to take a long-term view.
The value of investments and any income from them can fall as well as rise and you may not get back the original amount invested.
HM Revenue and Customs practice and the law relating to taxation are complex and subject to individual circumstances and changes which cannot be foreseen.
We will work with you to determine how much risk you are happy to take with your investments.
We will recommend a range of investment products that are both tax efficient and aim to offer you the best financial reward.
We will implement our recommendations and make sure that your money is invested in accordance with our instruction.
We will regularly review your investments to make sure they remain suitable and in line with your financial objectives.
Eames Laurie will help you to define what to save for, over what timescales and advise on an investment vehicle that fits with your financial objectives. This could range from stocks and shares ISAs through to General Investment Accounts.
Investing in a tax-efficient way can make a big difference to your investment plan - especially if you’re a higher-rate taxpayer
You can invest the full £20,000 allowance into an ISA plus it’s possible to transfer existing Stocks and Shares ISAs into a Cash ISA and vice versa.
Most defined contribution pension schemes offer a range of funds you can put your money into until you retire. They usually invest across different asset classes, including shares, bonds, and cash. We can advise on the various investment options available and help you decide what’s best. We can also help you take even greater control of your retirement options and access a wider range of assets through a self-invested personal pension (SIPP).
Find out more on pensionsA simple way of investing once you've reached your annual ISA allowance. There are no tax benefits but you can invest as much as you’d like.
Like an ISA, with Investment bonds you can pay money in and take money out. But most people would only consider an investment bond once they’ve used up their ISA allowance. Investment bonds can help with trust and estate planning as they can be seen as a form of life insurance policy, only paying out on death.
Venture Capital Trusts are companies that invest in small, new, growing companies that aren’t bought or sold on a recognised stock exchange. You should only consider investing in a Venture Capital Trust if you plan to leave your money in it long term (at least five years).
The Enterprise Investment Scheme (EIS) makes investing in shares in early-stage businesses more attractive. When an early-stage business is EIS-qualifying, you can claim a number of tax reliefs alongside your investment, including upfront income tax relief, tax-free capital gains, and loss relief on each investment that returns less than you put in. Please remember tax rules may change in the future, and the value of tax reliefs depends on your individual circumstances.
Discretionary Fund Management (DFM) is a portfolio of investments selected and managed on your behalf by a portfolio manager. Frequently, this will involve the inclusion of individual company shares as well as funds. Once the portfolio has been built, the portfolio manager will make ongoing decisions about the portfolio using their own discretion.
A Trustee Investment Plan (TIP) is a single premium investment available to trustees of UK registered Occupational Pension Schemes and Self-Invested Personal Pension Schemes (SIPPs). They allow pension scheme trustees to invest in a wide range of funds and other assets.
A structured product is an investment where the return depends on a set of rules, rather than whether the shares or other assets in it gain or lose value.
Some structured products guarantee that you’ll get back at least the amount you invest (full capital protection) but many don’t, so you might lose some or all of your money. Before you invest in a structured product, make sure you understand the risks.
A Junior ISA offers the same benefits as a regular ISA, just with a lower limit for how much can be paid in each year. Cash savings accounts or stocks and shares accounts are both available, allowing you to invest on your children's behalf. When your child turns 18 they will get access to the money - it could help give them a head start on university fees or a deposit on their first home.
