Whether you have received an inheritance, unhappy with your existing portfolio or have surplus cash savings, we can provide recommendations from a range of investments solutions to help you achieve your financial goals.
Our Investment Philosophy and Process can determine the most suitable portfolio for you and can be defined as:
Understanding risk is important
Matching your portfolio to the risk profile is essential
Asset allocation is the key to success
Costs are important
Diversification is a sound principle
Investment “Funds” are a cost effective way to access investments for many clients, though specialist managers may be appropriate for part of larger portfolios
WHY CHOOSE US?
We have a robust due diligent process behind our Investment Philosophy to give you peace of mind and security when investing your capital/assets. Allen Tomas & Co invest in research software that allows us to obtain important financial data before any recommendations are made.
TAX PLANNING AND TAX WRAPPERS
When looking at investments we need to establish the most suitable product for you, this is known as a tax wrapper, which could be any of the following:
General Investment Account
Venture Capital Trust
Enterprise Investment Scheme
There are a range of ways we can help with tax planning when it comes to financial planning, such as; making sure your portfolio is arranged tax efficiently, utilising ISA, Pension & Capital Gains Tax allowances each year and in certain situations using sophisticated tax vehicles like Venture Capital Trusts and Enterprise Investment Schemes.
WRAPS AND PLATFORMS
A wrap or platform, as the term suggests, is a means of wrapping up your investment assets and holding them in one place. It combines three services:
A set of administration systems that allow your investments to be pulled together and managed in one place
An arrangement for buying and selling investments efficiently and often at lower cost
The ability to hold your investments in savings vehicles that offer you tax advantages
Within a wrap, we are both able to see the latest performance and value of what you own at a glance, as a result we are able to focus on important investment decisions rather than administration.
Wrap providers offer the facility to buy and sell investments of all types, allowing for the creation of a truly diversified portfolio, and are often able to offer significantly reduced fund charges compared to those available to retail investors.
The value of an investment can go down as well as up and you may not get back as much as you put in. We do not advise on directly held shares/equities, although we can recommend Discretionary Fund Managers who can. We advise on collective based funds which will hold a number of companies within it. We also do not hold client money; all investments are made directly to the recommended provider.