implementing investment strategies.
By following a few simple rules, it is possible for your employees to build flexible, tax-efficient investment strategies that can work for them throughout their careers using the company sponsored share schemes and occupational pensions you, as an employer, provide as a starting point.
flexible financial strategies.
We recognise that everyone is different – which is why we produce personalised investment strategies instead of off-the-peg solutions.
The right investment strategy for each of your employees will need to take into account various factors, such as:
- Their specific financial goals
- Their personal attitude towards risk
- How long they wish to invest for
- Whether they need a regular income from their investments
- How much capital growth they want
- Their personal tax position
a unique structure.
We provide a consistent investment approach which allows tailored portfolios to be set up which meet your employees’ needs. We provide this service via two channels:
- Face-to-face advice where we manage portfolios on a discretionary basis
- Online, where employees self select their investments and are thus non-advised
retaining corporate shares.
Our service allows employees to hold more of their investments under one roof. Shares acquired from an employee’s company sponsored share schemes can be transferred directly into the Workplace ISASM or Workplace SIPPSM.
Online purchase of additional corporate shares is also possible through our Corporate Stock Service. Employees taking advice through our Strategic Investment Planning service will also have the option to purchase and invest company shares online.
To ensure your employees aren’t subject to ‘concentration risk’, we offer two services that can help them diversify – an online Self Select Service and a Discretionary Managed Service.
how investment strategies work.
The range of investment products available can often seem bewildering. Your employees might be surprised to learn, that most of these investment products amount to just three simple ingredients: cash, bonds and equities. These three key types of asset form the foundations of any sensible investment strategy.
Each of these assets has different characteristics. So, when put together in the right combination, they can precisely meet anyone’s needs at any given time. As those needs change, the proportions can be adjusted to keep pace.
The table below explains the different characteristics of each of these asset classes:
| The three key asset classes compared: | ||
| Cash | Bonds | Equities |
| Low Risk High stability of capital Low growth potential Variable income** Likely to lag inflation in the long term Short term commitment | Medium to low risk* Reasonable stability of capital* No growth potential* Fixed or variable income Likely to match inflation in the long term Medium term commitment | Medium to higher risk No stability of capital High growth potential Variable income Likely to beat inflation in the long term Long term commitment |
| *If held from issue until maturity - there can be potential for capital loss/gain if a bond is bought or sold for more or less than its issue price after issue. **Unless using fixed-rate cash product. | ||
Use the links in the Implement menu to find out more about the different financial planning services and products WEALTH at work can offer you and your employees.