Financial Advice from dmak Financial Solutions
We are not authorised to provide Financial or Pensions advice, however we pass all enquiries to Commodore Finance
Investments and Savings
Are your current investments suitable for your needs?
Do they expose your capital to an acceptable level of investment risk?
How does your tax situation affect you?
Whether seeking a secure home for short-term deposits, maximum income in retirement or long-term capital growth, the investor is confronted with an often confusing array of financial products.
The choices available change daily, as new products are introduced to the market and older ones are re-vamped to keep pace with the changes.
In addition to the changes in product design, the investor also has to be aware of the tax-efficiency of each type of plan. There is little point in exposing your investment to varying degrees of risk and then finding that income or capital gains tax reduces the return to a level, which could have been achieved by leaving the money on deposit.
Other factors to take into account when considering what investments are suitable is the level of risk attached, term and charging structure. If the risk being taken is higher than it should be then the capital could drop in value more than you would be happy with in the event of a stock market crash. If the risk is lower than it should be then the real returns once inflation is taken into account may be disappointing over the medium to long term. It is also important to check into the scale of charges imposed by the plan or fund manager.
Our Financial Planners aim is to identify products which are suitable for your current needs and circumstances. We strive to ensure that investments are appropriate for the level of risk that you are prepared to take with your money.
The value of your investment can go down as well as up and you may not get back the full amount invested.
Pensions
Saving for retirement is something that most of us put off for as long as we can. But the reality is that the sooner you start paying into a pension the higher your income in retirement is likely to be. If you're working you're usually building up the right to a basic State Pension – and possibly an additional State pension – but these may not be enough to give you the standard of living you want.
This section will help you to understand the benefits of using a pension to save for your retirement, what type of pensions are available, how they work and how to start saving for your retirement.
We offer clear, concise financial advice on all areas of investing for retirement, including personal pensions and self invested pension schemes, as well as annuities.
Our Pension Service Offers:
- Expert advice from a regulated, qualified & experienced adviser
- A clear choice of payment by fee or commission
- A no obligation initial assessment
- Advice on restructuring your existing pension investments in line with your objectives
- Advice and analysis on transferring existing pension schemes
- Annuity quotes from leading UK providers
To find out more, and to learn how an authorised adviser can help you, fill in the contact form and an adviser from Commodore Finance will be in touch to discuss your requirements.