INVESTING FOR A BETTER FUTURE FOR YOUR CHILDREN

Supporting your children onto the housing ladder is undoubtedly a very generous act, but starting an investment plan from a very young age has even more added advantages. Setting aside funds from the early years means that even modest amounts invested on a regular basis will benefit from the effects of compounding, and reduce the risk of investing more significant amounts at the wrong time or during periods of market volatility.

By the time your child reaches 18, this could mean that they have a substantial fund to assist with university life or a generous pot building for their first house deposit.

Of course, from an estate planning perspective, by using gifting allowances to fund the investments – currently, an individual can gift a lump sum of up to £3,000 per year, and unlimited gifts of £250 per person per tax year – parents and grandparents, indeed anyone could benefit from the transfer of wealth without any Capital Gains or Income Tax penalties.

The concepts and appropriateness of using gifts and trusts* are best understood in the context of your own personal circumstances. If you would like to understand more about how they can help with your own estate planning needs, please do not hesitate to contact us.

The value of this investment will be directly linked to the performance of the funds selected and may fall as well as rise. You may get back less than the amount invested.

The levels and bases of taxation and reliefs from taxation can change at any time and are dependent on individual circumstances.

*Trusts are not regulated by the Financial Conduct Authority.

Testimonials

I have known her as our family Financial Adviser for about 10 years. She has always put my interests first and given sound advice. I found her to be pleasant and trustworthy. Her service and support has always been exceptional. I get great pleasure in recommending her to anyone.
Thurairatnam Kathirgamakarthigeyan
Retired Eye Surgeon
Andrea has been wonderful, and I feel confident in discussing my financial matters with her as I know she will treat my affairs confidentially. She has always been there whenever I needed - literally with a click of a button and the support, she provides is extraordinary. She has gone out of the way to help me on a few occasions. I will not hesitate to recommend her to anyone.
Sandy Shiralkar
Consultant Vascular Surgeon
Andrea has provided us with exceptional service and advice. We feel that Andrea has listened to what we want and need and has helped us to build a robust retirement plan. We would recommend Andrea to our friends and family.
Claire Richards
Manager

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