SAVINGS & INVESTMENTS
There are many reasons why you may want to set up a structured plan for your savings or you may be lucky enough to have a lump sum to invest.
For example, planning to buy your first home or a car.
The value of units can fall as well as rise, and you may not get back all of your original investment.
You may need to build up a fund to cover school fees or university costs for your children, or simply want to have money for a rainy day.
Perhaps you have inherited a lump sum or have been paid a bonus at work.
Whatever your needs, Bragagnini Associates Financial Solutions Limited will give you independent advice to ensure you select a savings product or develop an investment plan which suits your individual situation.
We take the time and care to understand your needs now and in the future. Our independent status means we consider products from the whole of the marketplace.
We call it ‘Handheld Financial Solutions’.
Unlike savings and deposit accounts, capital invested in some assets mentioned above are not guaranteed as the value can go down as well as up.
ISA
Individual savings accounts (ISAs) were launched by the government in 1999 to encourage people to save.
An ISA is a type of scheme that enables you to invest in shares, unit trusts, investment trusts, open-ended investment companies, cash or insurance policies in a tax efficient way.
There are two types of ISA accounts:
Cash ISA
Stocks & Shares ISA
The maximum amount you can pay into your ISA will depend on your age and also the annual allowance set by the government.
The big advantage of investing in an ISA is that the returns are tax-free.
Speak to us to find an ISA that suits you.
Unlike savings and deposit accounts, capital invested in some assets mentioned above are not guaranteed as the value can go down as well as up.
INVESTMENT BOND
An investment bond allows you to invest in a variety of funds which are managed by professional fund managers.
They are typically designed for long-term capital growth but can also be used to generate income.
You can choose from a variety of different funds to suit your personal level of risk and investment objectives.
Speak to us to find out more.
Unlike savings and deposit accounts, capital invested in some assets mentioned above are not guaranteed as the value can go down as well as up.
WRAP
This is a unique way to view all your financial assets on one platform, including bonds, pensions, ISA accounts, cash, unit trusts and more.
Imagine the ease of viewing your entire portfolio online where you can analyse, manage, review and re-balance inline with your personal strategy and objectives.
Another benefit of this unique system is that any income and capital gains tax statements come from one source, helping you to simplify tax reporting and accounting.
We can help you to decide if the wrap suits you.
Unlike savings and deposit accounts, capital invested in some assets mentioned above are not guaranteed as the value can go down as well as up.
OEICS
Open ended investment companies (OEICS) allow private investors to pool their money together into a single fund but still benefit from the expertise of an experienced fund manager.
OEICS have a very transparent charging structure and have recently become more popular than unit trusts. They are managed in the same way as unit trusts but instead of buying units the investor buys shares.
The price of shares in an OEIC is usually calculated daily, and as with ordinary shares, the price of shares can go down as well as up.
This is a specialist area of investment, so it’s important to get the right advice.
Unlike savings and deposit accounts, capital invested in some of the assets mentioned above are not guaranteed as the value can go down as well as up.
NATIONAL SAVINGS PRODUCTS
National Savings and Investments (NS&I) is one of the largest providers of savings and investment products in the UK.
It is backed by H.M.Treasury, so any money you invest is 100% secure.
NS&I is best known for premium bonds but has a wide range of other accounts and investments available.
Is this right for you? Speak to us first.
Unlike savings and deposit accounts, capital invested in some assets mentioned above are not guaranteed as the value can go down as well as up.
Bragagnini Associates Financial Solutions Limited is an appointed representative of The On-Line Partnership Limited which is authorised and regulated by the Financial Conduct Authority.
Bragagnini Associates Financial Solutions Limited registered number 07012745 is registered in England and Wales at 3rd Floor, 70 Gracechurch Street, London EC3V 0HR.
This website is aimed at UK residents only.
Approved by In Partnership FRN 192638 March 2024
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