Pension Switching

... from a Chartered Financial Planner. Below are a selection of questions and answers as examples of how we may help.

Q: I have a capital sum. What investments are open to me and what are the risks involved in each?
A: We will consider your current financial and tax position before discussing the range of investments open to you to produce either capital growth or income, as required.

Q: I need to produce an income from a capital sum. How is this achievable and what are the options?
A: We will compare various investments that generate an income from cash deposits to equities, illustrate the likely income and discuss the risks associated with each option.

Q: I favour investing in cash but am frustrated by the relative worsening of interest rates each time that I invest into a new account. Is it possible to remain competitive without continually moving money?
A: Yes. We can demonstrate how to maximise interest earned from bank / building society accounts, with the minimum of administration on your behalf.

Q: I am a higher rate taxpayer. Is it possible to take an income from my investments without losing much of it to tax?
A: Yes. It is possible to generate an income by using the tax breaks available from various investments. We can guide you to maximise the tax efficiency of your investments.

Q: My existing investment portfolio is not working. Are the funds into which I invest competitive? Why do they all seem to rise and fall in tandem?
A: We can consider your existing funds. Much may have happened to their management since you first selected them. We will also consider the correlation of investments within your portfolio, to try to introduce a measure of stability.

Q: I have investments but am not certain if the are performing well or otherwise?
A: We can analyse your portfolio and then match it to the industry index that most resembles its composition. It will then be straightforward for you to value your investments and compare their performance to the index as and when you require (quarterly, half-yearly?).