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Investments
Based on a thorough
understanding of our clients' circumstances, objectives and attitude
to risk our Investments division provides independent advice on the
widest range of investment products available from the whole of the
market. We combine our service with effective tax planning for
private individuals, Trusts and estates.
This means our clients can be sure they are not missing any
opportunity to make the wealth they have acquired grow for their use
and to pass on efficiently in the future.
You will find a summary of the four main types of investment to
consider below. But first it’s important to remember that no
investment is free of risk. We recommend you complete our short
Risk Profiler. The results
will reveal your attitude to risk and consequently help you identify
which type of investment you may be most comfortable with.
For a more detailed discussion on how we can build a bespoke
investment solution to meet your financial objectives please call us
on 020 7702 4488 or complete our
Enquiry Form
Investment types:
Cash – generally
deposit based investments receiving regular interest such as bank
and building society accounts.
Normally easy access to money and capital is secure.
A low risk profile and generally give lower returns over the medium
to long term.
Cash can be invested through an investment fund, which may earn more
interest.
Bonds - are loans made to governments or companies who want
to raise funds and who will pay interest at a fixed rate over a set
period.
The loan is due back at the end of the period.
Corporate Bonds are higher risk than a cash bank account – as there
is no guarantee the company will make the interest payments or pay
back the original investment.
Money can be invested in a combination of government and corporate
bonds to lower the risk.
Property – there are two main ways to invest in property:
Purchase a property directly - Buy to Let, or develop and sell for
capital gain.
Property funds - investors pool their money to spread risk. Returns
depend on changes in the market value of the properties and rental
income.
Equities - are shares listed on a stock exchange. They return
a share in the profits of the company as dividend payments. The
dividend is the sum of money that the company decides to divide
amongst its shareholders.
Equities have generally performed better over the longer term (10
years plus) than cash, bonds and property assets. However the value
of equities and any dividend income is not guaranteed. Prices can
fluctuate suddenly making equities the riskiest asset class.
We’d be delighted to offer you a free
consultation without obligation - simply call 020 7702 4488 or e-mail
info@mkcwealth.co.uk or
complete our Enquiry Form. |
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