Investing can be one of the most powerful ways to grow your wealth, secure your future, and even pass on financial stability to the next generation. However, the world of investments is vast, and with so many options available, it’s easy to feel overwhelmed.
That’s where we come in. At Voyage Financial Planning, we help individuals in Southampton make informed investment decisions that align with their goals, risk tolerance, and tax considerations. Whether you’re saving for retirement, looking to make the most of your tax-free allowances, or seeking higher-risk, higher-reward opportunities, we’re here to guide you through every step.
The Role of an Investment Consultant
An investment consultant acts as your trusted guide in the financial world, helping you:
- Understand your options – Investments range from tax-free ISAs to high-growth opportunities like Venture Capital Trusts (VCT’s*). We break it all down for you.
*VCT’s - This is a high-risk investment. You could lose all your money and are unlikely to be protected if something goes wrong. Take 2min to learn more.
- Build a tailored strategy – Everyone's financial situation is unique, and a one-size-fits-all approach simply doesn’t work. We help design a portfolio that suits your needs.
- Mitigate risk – Investing always involves some level of risk, but we help balance your portfolio to match your comfort level.
- Maximise tax efficiency – Why pay more tax than necessary? We ensure you take full advantage of available tax benefits.
- Adapt to changing circumstances – Life changes, and so should your investments. We provide ongoing support to ensure your portfolio stays on track.
Investment Options Explained
There’s no shortage of investment vehicles available, but which one is right for you? Here’s a breakdown of key investment opportunities we can help you with:
Lifetime ISA (LISA)- Perfect for younger investors (18-40 years old), the LISA allows you to save up to £4,000 per year, with a 25% government bonus. Funds can be used to buy a first home or boost retirement savings.
Junior Stocks & Shares ISA- Want to secure your child’s financial future? A Junior ISA allows you to invest up to £9,000 per year tax-free, ensuring they have a strong financial foundation when they turn 18.
Individual Savings Account (ISA)- A tax-free savings and investment wrapper that allows you to invest up to £20,000 per year without paying tax on interest, dividends, or capital gains.
Stocks & Shares ISA- If you’re comfortable with some risk, a Stocks & Shares ISA lets you invest in equities, bonds, and funds within a tax-efficient environment. Ideal for those looking for long-term growth.
Collective Investments- Rather than picking individual stocks, you can pool your money with other investors into professionally managed funds such as unit trusts and OEICs (Open-Ended Investment Companies). These provide diversification and reduce the risk of holding single stocks.
AIM ISA- For those looking to combine tax efficiency with potential high returns, an AIM ISA invests in smaller, fast-growing companies on the Alternative Investment Market (AIM). Plus, some AIM shares qualify for Inheritance Tax relief after two years.
Venture Capital Trusts* (VCTs)- Want to support small UK businesses while enjoying tax benefits? A VCT allows you to invest in high-growth companies with:
- 30% income tax relief (on investments up to £200,000)
- Tax-free dividends
- Capital gains tax exemption
*This is a high-risk investment. You could lose all your money and are unlikely to be protected if something goes wrong. Take 2min to learn more.
Enterprise Investment Scheme* (EIS)- Another option for high-risk, high-reward investors, the EIS provides:
- 30% income tax relief on investments up to £1m
- Capital Gains Tax deferral
- Loss relief (if the investment doesn’t perform
*This is a high-risk investment. You could lose all your money and are unlikely to be protected if something goes wrong. Take 2min to learn more.
Both VCTs and EISs are ideal for those looking for tax-efficient investments with growth potential, but they do carry higher risks than traditional investments.
Onshore Bond- A UK-based life insurance investment that offers tax-deferred growth, flexible withdrawal options, and estate planning benefits. Ideal for those seeking a medium to long-term investment approach.
Offshore Bond- Similar to an onshore bond but held outside the UK, an offshore bond offers greater investment flexibility and the ability to defer tax, making it attractive for those planning their finances globally.
Why Work With Voyage Financial Planning?
At Voyage Financial Planning, we understand that investing is about more than just numbers—it’s about your future, your family, and your long-term security. Here’s how we can help:
Bespoke Investment Strategies – No two investors are the same. We craft personalised plans that align with your financial goals.
Tax Efficiency – We ensure you take full advantage of ISAs, Bonds, VCTs, and other tax-friendly investments to maximise your returns.
Expert Risk Management – Whether you’re cautious or adventurous, we build a portfolio that reflects your risk appetite.
Ongoing Support & Adjustments – The investment landscape changes, and so do your financial needs. We keep you on track.
Local Expertise – Based in Southampton, we offer tailored advice that understands your local financial landscape.
Start Your Investment Journey Today
Investing doesn’t have to be complicated, stressful, or risky—not when you have the right team by your side. Whether you’re looking for tax-efficient ISAs, diversified investment funds, or high-growth opportunities, Voyage Financial Planning is here to help.
Take control of your financial future today. Contact us to book a consultation, and let’s build your wealth together.
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.
