Introduction

The range of investment products available is bewildering, even to those with experience of the market.

The most popular are known as collective investments and include ISAs. These are set up by financial institutions such as Fidelity.

Typically, they invest in equity funds, both at home and abroad, property and fixed-interest bonds (loans to the government and large corporations). They are designed for the investor that wants access to a diverse set of investments. The idea behind such investment products is simple – if you pool your money together with others, the company can invest in more areas, and therefore spread the risk.

This is where our expertise at Baker Gladstone & York comes in. We will help you choose the investment strategy that is right for you, putting your financial affairs in the best possible position.

Below are some of the factors we take into consideration:

• Regular reviews of your investments
  It is not only important to make the right investment for you in the first place but also to regularly review your portfolio and recommend which options are best for you in the future.
• Tax efficiency with your investments
  Selecting the right fund and risk profile is important for your investment. However, you should also examine whether your investment is tax efficient, so that your hard-won gains do not get taken by the taxman. We analyse your situation for you and recommend a solution that best suits your investment needs.
• A diversified investment portfolio
  It is vital that you consider diversifying the funds that you invest in so that you can reduce the risks involved. If you spread your money over a variety of investment funds, various sectors and geographical regions, then you stand a better chance of keeping the gains you make.