Investments – Hansells Financial Planning

Investments – Hansells Financial Planning


Individual Savings Accounts (ISAs)

ISAs were introduced in 1999 replacing PEPs (Personal Equity Plans) and Tax Exempt Special Savings Accounts (TESSAs).  They offer favorable tax status – exemption from income tax on interest from savings and from capital gains tax on surrender. There are two distinct types of ISA:

Stocks and Shares ISA

This allows an investor to take advantage of pooled resources and a broad spread of risk offered by collective investments including most unit trusts and OEICs (Open Ended Investment Companies).  These are usually actively managed by professional fund managers who aim to achieve the maximum possible return on your investment, or within predetermined investment objectives.  These investments offer the opportunity to take advantage of the growth available from all types of asset classes including world equities and fixed interest securities.

Cash ISA

This is similar to other ordinary savings accounts but with the interest entirely tax free.  Cash ISAs were designed to be more accessible than the accounts they replaced, appealing to a wider range of people encouraging them to save.

Portfolio Management

Portfolio management is an art and a science – making decisions about investment mix and policy, matching investments to objectives, asset allocation for individuals and institutions, and balancing risk against performance.  The skill is all about identifying strengths, weaknesses and opportunities.

Our goal is to achieve the optimum return for a given level of risk.  We balance risk and performance in making decisions on what investment choices and products are best for you.

We will always consider how important it is for you to preserve value or to target a higher return and discuss how this can be best achieved

For further investment advice please do contact one of the team.