A proactive approach giving your investments the attention they need.

Although many of our clients are happy with our standard approach to investment planning, others prefer a more proactive and dynamic approach to managing their capital.  This can be provided through our Active Investment Management Service.  AJ Wealth Management will provide the following services:

  • Regular face to face meetings with your Adviser
  • Quarterly Investment Reviews
  • Access to a highly trained team of Administrators who can give you real time valuations on your investments and answer any queries you may have
  • Full financial reviews including tax planning

Our Investment Portfolios will be designed to meet your personal objectives and financial goals, whether it be for capital growth, income or a combination of both.  They will also be specifically tailored to match your attitude and tolerance to investment risk, and your capacity for loss will be taken into consideration when constructing your bespoke investment portfolio.

NISA

An ISA (New Individual Savings Account) is a tax-efficient way for you to save or invest. There are two types of ISA; a cash ISA and a Stocks & Shares ISA.

Each year, you can save or invest up to a certain amount in an ISA. For the tax year 2014/15 the allowance is £15,000. This will be increasing to £15,240 for the tax year 2015/16. You need to be 18 or over and a UK resident to invest in an ISA.

You can also transfer any ISA savings you’ve built up previously freely between a Stocks & Shares ISA and a Cash ISA.

Portfolio of OEICS

A portfolio of OEICS works like an NISA, but without the same tax benefits.

The portfolio is designed generally for those who’ve used up their full ISA allowance. Investments held within the portfolio will be subject to tax.

Bonds

International Bond

An International Bond could help you to help your children or grandchildren with university costs, could provide a source of income when you retire and provides a way to put comforting plans in place to pass your money on to your loved ones.

There is no tax on the amount your bond grows by. Tax is only payable when you withdraw money. The amount of tax you’ll be liable for will be based on your circumstance at that time.

Onshore Bond

An onshore Bond may suit people who want an investment which offers the opportunity for growth over the medium to long term (usually over 5 years or more). This can be used for taking regular income or for passing money to your loved ones.

National Savings & Investments

NS&I products are government investments that can be purchased online, by telephone or post directly from NS&I. They are all secure investments as they are guaranteed by the Government. There are several types of product, with different tax treatments.

When saving or investing with NS&I, you’re lending to the government and your money is totally secure.

Products Available

Product  Tax Status Minimum Investment Maximum Investment
Premium Bonds Tax Free £100 £40,000
Direct ISA Tax Free £1 £15,000
Children’s Bonds Tax Free £25 £3,000
Fixed Interest Savings Certificates Tax Free £100 £15,000
Index Linked Savings Certificates Tax Free £100 £15,000
Guaranteed Growth Bond Taxable, paid net £500 £1 million
65+ Guaranteed Growth Bond Taxable, paid net £500 £10,000
Income Bonds Taxable, paid gross £500 £1 million, £2 million (joint)
Guaranteed Income Bonds Taxable, paid net £500 £1 million
Investment Account Taxable, paid gross £20 £1 million, £2 million (joint)
Direct Saver Taxable, paid gross £1 £2 million, £4 million (joint)