Wealth Management

Making the most of your money!

Have you given any thought to protecting your wealth? Managing your wealth efficiently will ensure you have the right cover in place when you need it.

Whether you want to invest a lump sum or invest some money on a regular basis, it is crucial that you receive the right advice about the best course of action for you personally.

Retirement planning in the most tax efficient way for example, will ensure you receive the best income possible, to enjoy the retirement you always hoped for.

For more information please read our Guide to Managing Your Money and watch the video which follows here.

THE VALUE OF INVESTMENTS AND ANY INCOME FROM THEM, CAN FALL AS WELL AS RISE AND YOU MAY NOT GET BACK THE ORIGINAL AMOUNT INVESTED.

HM REVENUE AND CUSTOMS PRACTICE AND THE LAW RELATING TO TAXATION ARE COMPLEX, AS WELL AS SUBJECT TO INDIVIDUAL CIRCUMSTANCES AND CHANGES WHICH CANNOT BE FORESEEN.

Investment Planning in Black and White – watch the video.

If you’d like to find more information on investing, Omnis produce a very useful and interesting podcast every week. See below.

Of course, you can also contact us if you have any questions.

Find out more by calling us on 020 3021 0075 or email us at brian@downtonandail.co.uk

As there are so many different types of savings and financial investments available, it is wise to seek professional advice. Also, please find our Investment Principles here for further information.

At Downton & Ali Associates we construct an 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.

See some of the many ways we can help you below.

Where to next?

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.

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.

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.

ISA Transfers

Most people do not realise that once an ISA 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. This includes transfers from a cash ISA to an equity ISA.

Many people have numerous old ISA’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 right for you.

Cash and Structured Deposits

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

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

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.

For more information on funding your children through university please read our Investing For Children Guide.

THE VALUE OF INVESTMENTS AND ANY INCOME FROM THEM CAN FALL AS WELL AS RISE AND YOU MAY NOT GET BACK THE ORIGINAL AMOUNT INVESTED.

HM REVENUE AND CUSTOMS PRACTICE AND THE LAW RELATING TO TAXATION ARE COMPLEX AND SUBJECT TO INDIVIDUAL CIRCUMSTANCES AND CHANGES WHICH CANNOT BE FORESEEN.