Savings And Investments

There are a number of factors to consider when you are looking to save or invest your money:

  • Investment Goal
  • Length Of Time
  • Risk Profile
  • Tax Efficiency
  • Asset Allocation

Temple Wealth Management addresses all of these factors during your first consultation to understand your situation and financial goals. A Fact find is then carried out, creating your Personal Financial Plan (PFP). This report will set out specific and realistic recommendations designed to achieve your stated objectives over an agreed period of time.

As part of an going service agreement these objectives are then reviewed regularly (usually annually). We review changes in personal circumstances, financial market conditions and relevant legislation to ensure the recommendations are still valid.

Ethical Investments

Ethical Investing, also known as Sustainable Investments, incorporates environmental and social factors when selecting our investment portfolio. This enables you to know what your money is doing and what it is funding.

Providing Choice

Understanding your individual values and beliefs are key. It is important to invest in what you believe in as well as ensuring you avoid investments that go against your values.

Some of the factors which can have a negative impact on environmental and social factors are:

  • Fossil Fuels
  • Tobacco
  • Weapons
  • Alcohol
  • Meat and dairy production
  • Fast food and sugary drinks
  • Toxic chemicals
  • Fur
  • Palm oil deforestation

Many Ethical Fund Managers engage with the companies that they have investments with, promoting best practice.

Profit with Principles

Since ethical investments were introduced in the 1980’s the amount of people investing has grown substantially, with the expectation that good returns can still be achieved.

Like minded people are now CEO’s of companies who understand that having a sustainable approach to goods and services can be profitable while providing solutions to social and environmental problems.

How can we help?

On the first meeting, our adviser will discuss your attitude to risk and your ethical investment criteria based on our questionnaires and discussion. The next step is to understand your financial goals, whether this is planning for retirement or investing for tax efficiency.

We are then able to tailor our advice to our specific requirements. Our annual review will keep you updated with the investment performance and any changes that are required.

A mutual fund or exchange-traded fund that has a dual strategy of capital appreciation (growth) and current income generation through dividend or interest payments. A growth and income fund may invest solely in equities or in a combination of stocks, bonds, real estate investment trusts and other securities.

Can be used as a tax efficient way to pay for school and university fees. There are three different options to choose from: Capital schemes (invest a lump sum), income or regular saving schemes or a combined scheme.

A trust is an arrangement between a beneficiary and a third party or trustee. This can be a tax efficient way to manage your assets and choose when they pass to the beneficiary. It can also help to avoid probate.

Is a legal arrangement for holding and managing a personal injury award to ensure that it does not affect their entitlement to means-tested benefits and minimises their contribution towards the cost of community care support.

Investment trusts can often be difficult to spot if they are on shore (set up and managed in the UK) or off-shore (set up and managed outside the UK). Understanding the tax implications and accessibility of your funds takes careful consideration to ensure your investments fit your financial goals.

Every year the Government allow tax free savings through Individual Savings Accounts. The 2 main choices are Stocks and Shares ISA or cash ISA. However the range of ISAs is expanding to include Junior ISA, Lifetime ISA (LISA) and Help to Buy ISA.

Past performance is not necessarily a guide to future performance. Investment and the income from them can go down as well as up and you are not guaranteed to make a profit from your original investment.

Tax treatment depends on the individual circumstances of each client and may be subject to change in the future