Managing finances and investments can often feel overwhelming, especially in today’s unpredictable economic climate. Whether you're planning for retirement, saving for your child’s education, or simply seeking to grow your personal wealth, having the guidance of a professional investment advisor can be invaluable to making the right choices for you.
Here at Voyage Financial Planning, we stand out as a trusted partner for individuals like you looking to make informed financial decisions and achieve your long-term financial security goals.
We have a team of phenomenal advisors that are well-informed within the financial industry and passionate about creating personalised investment plans that are tailored especially to meet your specific goals and objectives.
We believe that if you create a goal and know the steps to take towards it you will be more likely to succeed and excel - that's why we are here to help you make an informed plan for your investments in a straightforward, knowledgeable, manner.
Investment Risk Warning: The value of investments and any income derived from them can go down as well as up. There is no guarantee that you will get back the original amount you invested. Please consider this carefully before making any financial decisions.
How To Secure Your Future Through Investment
When it comes to investments, even the smallest of missteps can spiral into significant financial mistakes and repercussions - some of which you can never recover from.
One of our exceptional Voyage Financial Planning professional investment advisors can take the stress out of investing and help you to navigate the complexities of the financial markets, and help you balance risk and reward. By creating a plan tailored to your unique circumstances and goals, you are more likely to succeed and feel confident in your investment strategy.
The benefits of working with one of our professional investment advisors include:
Expertise and Knowledge
Our Investment advisors possess a deep understanding of market trends, economic shifts, and financial documents. They keep up-to-date with changes that could impact your portfolio, ensuring you can keep your investments aligned with your financial objectives without the hassle. Moreover, because we do the monitoring for you, you have free time to spend doing other things like working or spending quality time with friends and family.
Personalised Financial Strategies
Here at Voyage Financial Planning we know that no two investors are alike. Therefore, our understanding advisors always ensure to take the time to understand your financial situation, future goals, and risk tolerance, in a consultation whereby we craft a strategy designed specifically for you.
Long-Term Planning
While it can be tempting to chase quick returns, our professional advisors focus on sustainable, long-term growth. They will help you stay on track and avoid emotional decisions that could derail your financial plan.
Ongoing Support and Adjustments
Life events, market conditions, and goals can change over time. Advisors provide continuous support, revisiting and adjusting your investment plan as needed.
Types Of Investments
The world of investment can become confusing easily, there are many types of ways in which to invest your finances, and the wrong decision can easily become detrimental.
What is an Investment? An investment is an asset acquired with the intention of earning a return, typically over a medium to long-term duration. The ultimate goal of investing is to generate income, either through periodic payments or the appreciation of the asset over time.
Types of investments include:
ISA Investments
An Individual Savings Account grows free from capital gains tax. Additionally, you will pay no tax when you draw the funds.
Stocks & Shares ISA
This is more of an investment account that will allow you to invest free from UK tax. However, be mindful that Tax rules for ISAs can change and their benefits depend on your circumstances.
Collectives Investment
This type of account is used to absorb a person’s annual Capital Gains allowance, essentially meaning that the first £3,000 (for an individual) of capital gain in the portfolio would be free of Capital Gains Tax, once the funds are sold and the gain crystallised. We can manage your funds to trigger this.
Lifetime ISA
This is a tax-efficient savings or investment account. You can use one to save and invest for your first home or later in life. Like other types of ISA, any money held within the Lifetime ISA will not be subject to UK income or capital gains tax. You can contribute up to £4,000 each tax year into the Lifetime ISA and the government will add a further 25%. So for every £4 you save, you get £1 extra - up to £1,000 per tax year. Tax rules can change and their benefits depend on your circumstances.
In a world of seemingly infinite investment opportunities, these are only a few. To learn about the others we can advise you on to secure your investment future, simply browse our website for more information.
Moreover, If you would like any more information about the world of investment and the best ways you can invest based on your circumstances, don’t hesitate to contact our wonderful team today and they’ll be happy to advise you.
