Robert Carlton is an experienced team of independent financial advisers. We provide a comprehensive experience with advice about various topics. This makes us one of the top suppliers of investment advice in Middlesbrough. With us by your side, you’ll be able to plan your financial future. You can keep yours and your family’s finances in great standing.

Investment advice you can trust

Our goal is to offer practical information and advice on our financial services. In particular, we focus on investment opportunities and how you can make smart investments. Investing requires careful consideration and you must know of the risks involved. When you choose to invest your money, you’re making a massive choice. As such, you need to look at every option. Depending on several different factors, the value of investments can rise or fall. So, you may not get all your original investment back.

As for the specific types of investments you can make, let’s have a look at the main ones.

ISAs

Individual Savings Accounts work by offering an appealing tax-efficient way to invest or save money. Interest on a cash ISA isn’t taxed. Thus, you’ll retain all the interest you earn. Stocks and shares ISAs come with tax benefits too. Anyone aged 18 or can invest in ISAs. Also, you only need to be 16 or over for cash ISAs.

Gilt-Edged Securities

These are investments that you can secure from the Bank of England or a stockbroker. They come with a high degree of security since they represent Government borrowing. However, if you are considering them, it is a good idea to talk to us and get investment advice in Middlesbrough.

Investors will get a fixed yield for the whole life of the stock. Normally, you’ll get these twice yearly. Gilts get traded on a daily basis too. Market prices therefore fluctuate depending on current interest rates and market conditions.

Something else most Gilt-Edge Securities come with is a redemption date. Here, the Government repays the investor the full par value of their stock. Investors will get a profit if the cost you paid for the stock was under par value. Although, if the market price was greater, you’ll suffer a loss. With profits made from Gilts, there’s no tax to pay.

Investment bonds

Next we have single premium life assurance policies. They come with comparatively low life cover and a high allocation to investment. Individuals invest small quantities of money and pool it to produce massive funds. A life assurance company maintains these. Then, the funds get spread across all kinds of assets. This minimises the danger of investment.

Open Ended Investment Companies (OEICs)

One other investment type is Open Ended Investment Companies. OEICs are an incorporated company that’s a mix of an investment trust company and a unit trust. Like with investment trusts, investors will purchase the company’s shares and then gain a profit from their growth.

Work with us and get investment advice in Middlesbrough

Robert Carlton is a firm that works to offer the most reliable advice. When planning for the future, you need to have a great support system that provides the right details.

If there’s something in particular you’re worried about, we can help you find solutions to it. So, contact us and choose the finest investment advice in Middlesbrough.