SAVINGS & INVESTMENTS
I am looking to start a monthly savings plan. I want to invest the funds with the aim of producing better returns than that available through my bank account or cash ISA, but I don’t know much about investing. Can you help?
Our team of experts will be able to help you understand the right investment solution for you, balancing your performance expectations with your attitude toward investment risk. The investment service we offer is Britain’s best kept secret. We not only set you up with a suitable portfolio of assets initially but keep your portfolio under daily review, advising you on any necessary changes we think your portfolio needs. Once agreed we implement any changes for you.
I wish to invest a lump sum in a tax efficient manner whilst trying to obtain higher investment returns. I need some help managing this process.
You are in the right place, as the name suggests Investing money is what we do best. Contact us today to discuss your investment goals and objectives in more detail. We offer a comprehensive all encompassing investment service tailored to your needs. We set-up the relevant accounts for you, advise you on the best asset allocation and specific investments to utilise, before keeping your account under constant daily review. We will advise you of any changes necessary on an ongoing basis and once agreed will implement changes on your behalf.
Do you offer one off investment reviews?
It is common practice in the industry to set up a clients portfolio and review the accounts yearly or if you’re really lucky quarterly. Investment markets are constantly on the move, with the balance between risks and opportunities complex to navigate. We believe that the correct approach is a long term relationship, with your portfolio kept under daily review. Whilst it is key to avoid knee jerk emotional decisions in investing, it is also equally important to be nimble and be able to make necessary changes as things develop. Give us a ring to discuss our investment service in more detail.
INDIVIDUAL PENSIONS & RETIREMENT
I am unsure what pensions I have or if I am on track to retire at my chosen retirement age. Can you help?
Yes, we specialise in retirement planning and are able to provide you with a retirement review. Helping you to understand your current position and design a plan to achieve your retirement goals.
I have recently joined my employers pension scheme, should I remain in it , or opt out?
Although each individuals circumstances are different, as a member of your employers pension scheme you will receive contributions to your pension from your employer, on top of your pay. So in general, remaining in the scheme is a positive decision. Investment Technique are here to help you determine a suitable plan to help you maximise your retirement.
I am currently making contributions to my company pension scheme. I want to increase my contribution levels, however I am unsure whether to do this through a private pension or make additional payments to my current scheme? Can you help?
Good idea! A general rule of thumb is that you should contribute as much as you can sensibly afford. Increasing you pension payments is a positive move towards a more secure retirement. Deciding which pension to contribute to is a complicated question, as it depends on several factors. However we recommend you give us a call to discuss your unique situation in more detail. We will then be able to provide you with advice regarding the most suitable solution.
I am looking for help investing my pension fund. I need to make sure my money is working for me and is actively manged to hopefully maximise returns and boost my potential retirement income. Can you help?
Yes, it is essential that your pension is invested in a suitable manner. You need to balance the potential results you are aiming for and the risk you are willing to take. Our investment team will guide you through this process, not only setting up the right portfolio for you initially but also keeping your fund under constant review. We will advise you of any changes we feel your portfolio requires on a frequent basis and then with your agreement implement those changes. Please call or drop us an email and let’s get started.
INDIVIDUAL PROTECTION
I am in the process of buying a new house, my bank requires me to have life insurance, is this something you can help with?
Yes, we have a designated team of life insurance experts who can advise and arrange for the most suitable life insurance product, at a competitive price.
We are expecting a child and are keen to protect the financial future of our family, but are unsure of the level and type of insurance that would be most suitable? Can you help with this?
Yes, selecting the right type and amount of insurance can sometimes be daunting with such a variety of options available in today’s market. We can help you carefully identify the most suitable option for your family, ensuring you are suitably covered without paying more than you need to.
ESTATE PLANNING
I am concerned about inheritance tax when I die and I would like to discuss the best way of ensuring my beneficiaries obtain as much of my estate as possible. Can you help?
Yes, we here at Investment Technique are experts at intergenerational planning and inheritance tax mitigation. Please arrange a call with us to discuss your estate and the most efficient way of passing on your assets.
What is the best way to mitigate inheritance tax?
There are many ways to reduce or negate an inheritance tax liability. Which method to utilise is dependent on your personal circumstance. Please give us ring to discuss the size of any inheritance tax liability you may be subject to and the most suitable solution to help mitigate.
GROUP PROTECTION
As an employer we are looking to enhance our employee benefits package. Whilst we already offer a company pension scheme, we would also like to add group life insurance to cover our employees? Is this something you can help with?
We are highly experienced in arranging such schemes. Our team of experts will be able to guide you through this process and can advise on and implement a suitable scheme at a competitive cost.
We would like to offer our employees a higher level of income support than statutory sick pay in the event of long-term absence, but worry about the drain this may have on the business, can you help?
Yes, our group insurance team can provide you with suitable advice and implementation of a group income protection policy designed to provide the level of cover you are seeking.
Can you help us arrange private medical insurance for our employees to enhance our staff benefits package?
Yes, our insurance specialists can you help you provide this key employee benefit across all, or a sub section, of your employees in line with your requirements. – don’t add this one.
BUSINESS PROTECTION
Can you help me protect my business against the death or incapacity of an important individual?
Whilst the full extent of the negative impact caused by the loss of a key person on your business can never be fully mitigated, we can help you arrange a suitable level and type of cover to protect your business financially. Such cover would provide the timely injection of additional liquidity, allowing the financial capacity to take on additional staff to compensate for the loss of the key individual.
We are in the process of taking out a business loan, but the lender is requesting that the directors obtain life insurance to protect their interests? Can you help with this?
Yes, our team of experts can help you arrange bespoke life assurance cover to satisfy these requirements.
In the event of the death of one of the key shareholders in our business, how do we ensure that the surviving shareholders retain control of the business, and the family of the deceased receive fair settlement?
A share protection scheme would provide a possible solution. This is an often overlooked, but necessary aspect of any responsible business owner’s protection plan. Please contact us to discuss how our team of experts can assist with this issue.
Can a business pay the premiums on a life insurance policy for the benefit of a member of staff’s family?
A relevant life insurance policy is an attractive employee benefit which can be offered to a member of staff. Our team of insurance experts can arrange suitable cover at a competitive cost.
WORKPLACE PENSIONS
I have received a late payment notification from my provider? Do you offer support to employers with workplace pensions?
Yes, many employers find the additional burden of managing their workplace pension scheme on top of the day to day running of their company challenging. We are able to take this problem off your hands providing a comprehensive management service covering every aspect of your workplace pension scheme.
I have recently received notification from the pensions regulator that I am required to set up a qualifying workplace pension scheme for my employees. Is this something you can help with?
Yes, we have a dedicated team focused on workplace pensions and are able to set you up a workplace pension scheme for an initial fixed fee with the option of an ongoing service package to focus on the day-to-day activities of your business rather than running a pension scheme for your employees.
We have received communication from the pensions regulator that we are in breach of our employer duties in relation to our workplace pension scheme? Can you help?
Yes, we can. It is imperative that you act quickly and decisively to resolve this issue. In situations like this we are able to offer one of our workplace pensions specialists who will work at speed to diagnose the details and extent of the problem and produce a solution focused plan to quickly get your scheme back to a compliant state, and support your organisation.