Downton and Ali Associates – Private Clients - Savings & InvestmentsSavings & Investments

Overview

As there are so many different types of savings and financial investments available, it is wise to seek professional advice.

At Downton & Ali Associates we construct a investment strategy for our clients, taking into account their attitude towards investment risk, the funds available to invest and requirements to achieve income and/or capital growth.

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Regular Savings

We can offer an option for investors wishing to save money on a regular basis. These savings vehicles can build a capital lump sum for a number of reasons, such as children’s school fees, buying a home, saving for a lifetime trip or planning for retirement.

Downton & Ali Associates aim to create a comprehensive investment plan for clients looking to save a regular amount. Our advice is based on client’s needs and objectives, balanced with preference between risks, returns and tax implications on the savings.

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Investing Lump Sums

Whether you are looking for capital growth or to build an income from your investment, finding the right investment that does not leave you vulnerable to unnecessary tax implications, requires the help of professional investment specialists.

Downton & Ali Associates help clients achieve their investment goals based on their tolerance for investment risk and within the timescales stipulated.

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Individual Savings Accounts

An ISA is a government backed tax efficient savings vehicle, into which you can contribute up to a set limit either as a lump sum or by regular monthly payment every tax year.

Downton and Ali Associates advisers can give you expert advice on the type of ISA most suited to your individual circumstances and show you your options regarding the fund to invest in. There are a number of recommended funds but also access to a large number of self select funds for the more experienced investor.

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ISA and PEP transfers

Most people do not realise that once an ISA, or its their forerunner, a personal equity plan (PEP) has been taken it does not have to be left with the current provider, but can be switched at any time to another provider without affecting the current years allowances.

Many of our clients have numerous old ISA’s and Pep’s, and these are very rarely reviewed and may not be performing as well as expected or may not fit the clients current risk strategy.

Why not let Downton and Ali Associates advisers perform a review of all of your current holdings to see what would be best for you.

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Guaranteed Accounts

We regularly have access to lump savings vehicles, which can benefit from the growth in the stock market without the risks associated with it.

Some of the providers we deal with are.

  • Dunbar Bank
  • Newcastle Building Society
  • Barclays Wealth
  • Investec Bank
  • Cater Allen Bank
  • Birmingham Midshires

Speak to a Downton and Ali Associates adviser about these opportunities.

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International Savings

If you fit one of the following categories then we have a solution designed to meet your specific needs.

  • Expatriates – UK nationals who now live abroad
  • UK resident clients who have plans to move or retire abroad
  • Foreign nationals in the UK
  • UK nationals who work abroad
  • Wealthy parents wanting to fund their children through University.

Why not let one of Downton & Ali Associates advisers give you advice in this area.

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Childrens Trust Fund

If you have a child born after 1 September 2002, they will be entitled to a Child Trust Fund account. You should have already received a voucher of at least £250 from the Government to kick start the investment.

If you have not invested this voucher your child is losing interest. Contact a Downton & Ali investment specialist who will advise you on the options available and help you choose the best Trust Fund for your child.

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