Personal Investment Strategy
At SMH Financial Services, we understand that investing can be daunting, especially if you’re unsure of where to start. That’s why we offer a Personal Investment Strategy Service to help you create a customised investment strategy that meets your specific needs and goals.
What is Personal Investment Strategy?
Personal Investment Strategy is a customised investment plan that is tailored to your specific needs and goals. We will work with you to create a personalised investment plan that takes into account your investment goals, risk tolerance, time horizon, and other factors.
Why do you need a Personal Investment Strategy?
Whether you are looking to build wealth to draw on in later life or for a specific objective, or wish to consider alternatives to holding your money via traditional savings accounts, we will guide you through the various options and recommend the most suitable solution for you. This could include investment bonds, unit trusts or even Discretionary Fund Management that that all work together and are designed to meet your needs.
It goes without saying that we’ll help you make the most of any tax allowances that are available where appropriate, such as the Individual Savings Accounts (ISAs) which enable you to shelter some of your savings from the taxman.
Our Personal Investment Strategy Service is designed to provide you with the expert advice and guidance you need to make informed investment decisions, and to create a customised investment plan that is tailored to your specific needs.
If you would like to arrange an initial meeting with one of our financial advisers to discuss financial planning, please contact the SMH Financial Services team on info@smh.group or 0114 266 4432.
The value of investments can go down as well as up and you may not get back the full amount you invested.
ISAs
An Individual Savings Account (ISA) is a tax-efficient wrapper that allows you to grow your savings without paying any tax on the return on your money. ISA’s can be split into two main categories based on the assets they can hold, Cash ISAs and Stocks and Shares ISAs.
Tax Reducing Investments
At SMH Financial Services, we know that taxes can be a significant burden on you, that's why we offer advice on tax-reducing investment solutions to help you minimise your tax liabilities.
Offshore Bonds
Offshore bonds are investment products issued by insurance companies located in Non-UK financial centres. These bonds are designed to provide investors with access to a wide range of investment options, including stocks, bonds, and other financial instruments.
Investment Bonds
An investment bond is a type of investment product offered by insurance companies that allows you to invest your money in a range of funds, shares, and other financial instruments.
General Investment Accounts
A General Investment Account (GIA) is a type of investment account that allows you to invest your money in a range of assets, including stocks, bonds, and funds. Unlike an ISA, there are no limits on the amount you can invest in a GIA, and you can access your money at any time without penalty. However, the caveat is you won’t receive the tax benefits you would through an ISA or a Pension Scheme.
