We work in partnership with you to determine your financial plans and goals.
Our success is a reflection of the success and standing of our clients.
Personal financial planning helps our clients achieve their personal financial goals.
Our clients are at the focus of everything we do
Because achieving your life goals needs to be planned
A lasting, long-term working relationship is key to delivering informed and relevant advice.
Investments
At Bradley Stuart we offer solid, reliable investment advice designed to return long term growth from a balanced portfolio of investments. We understand that every client is different and therefore we ensure that your investment portfolio is configured to fit precisely with your needs.
UK and Offshore investments
Offshore investments allow investors to take advantage of higher rates of return or lower rates of tax in a country other than their country of residence. Offshore investments are legal and can be less costly than their onshore counterparts, although they may be less regulated. UK and offshore investments are collective investments in the form of Bonds, Unit Trusts, OEICs,
Individual Savings Accounts (ISAs)
ISAs were designed for the purpose of investment and savings with a favourable tax status. They remain an attractive tax efficient investment vehicle for clients looking for capital growth or income.
Structured Products
A structured product combines two or more underlying assets to offer growth or income potential, usually with a degree of capital protection. The growth tends to be linked to stock market performance and, although there is some capital risk, there is normally a ‘safety net’ feature which allows the stock market to fall by a certain percentage without affecting your capital return.
Venture Capital Trusts (VCTs) and Enterprise Investment Schemes (EISs)
VCTs are a direct investment in a range of small higher-risk, unlisted trading companies. Therefore, investing in a VCT spreads the investment risk over a number of companies. VCTs must be HMRC approved which qualifies investors for certain tax reliefs.
EISs are designed to help smaller higher-risk, unlisted trading companies to raise finance by offering a range of tax reliefs to investors who purchase new shares in those companies.
Due to the nature of the underlying assets these schemes are highly illiquid. Investors must be aware they may have difficulty or be unable to realise their shares at levels close to that which reflect the value of the underlying assets. These are complex products and are not suitable for all investors.
National Savings & Investments (NS&I)
NS&I is one of the leading providers of savings and investments in the UK. It is backed by HM Treasury so any capital you invest is 100% protected. If you are looking for a product which guarantees the security of your savings, NS&I is a good option. However it is worth noting that the low risk nature of NS&I also means your investment returns are lower.