When thinking about investing it’s vital choices are made in line with your attitude to risk, and it’s important to ensure you’ve sufficient emergency funds. As you accept more risk, there naturally follows the potential for higher returns but also greater losses. We use an ‘attitude to risk’ profiler to help you understand your own attitude to risk and from here we’re able to determine the products to invest in.

Structured or guaranteed accounts. These products are guaranteed to give you your capital back at a set date. Investment returns are usually linked to a market index ie FTSE 100, however access to your investment is usually restricted. We work with a number of different providers to select the most appropriate products at the right time.

Sterling investment bonds offer a wide range of funds to suit your attitude to risk. They offer useful features such as no loss on death guarantees, free fund switching and the opportunity to take a regular income without the need to complete annual tax returns.

Sterling investment accounts are similar to investment bonds but are ideal for clients wishing to make use of annual capital gains tax allowances. Similar to an ISA but without the tax breaks, again you can benefit from the choice of over 100 funds.

Prudential PruFund Investment Bond is the new style With Profits fund. One of the oldest insurance companies with an excellent track record in managing With Profits funds, Prudential apply a ‘smoothing’ technique which counters the market fluctuations.

The Investment Account and Investment Bonds are designed for medium to long term investments and the value of them is not guaranteed. This means the value of your investment may fluctuate depending upon market movements and you may get back less than you invested.

Whatever your attitude to risk - and we’ll help you determine it – we recommend suitable products and funds, maximising tax breaks and potential rewards.

Speak to one of our advisers to find out more.