Choosing the right investment for you, with sound clear investment advice, from advisers based in Reading.
Only you know the life you want to lead. People value different things and these may change throughout your life. So, your investment choices are as individual as you are. We understand that wherever you are in life, your financial position and how you feel about risk is crucial to making a sound investment decision. You may need some investment advice to help you.
Time to invest in some expert investment advice
Even the most financially astute people need some professional guidance. By getting to really know you, we can help you:
- take advantage of tax-efficient investments such as ISAs;
- select a diverse range of products that meet your risk comfort zone;
- match products that respect your ethical and environmental beliefs;
- understand your options and support you on your investment journey.
To discover an investment solution that fits perfectly with your needs, aspirations, and lifestyle, contact us today. In short investment advice without pressure or fuss.
Millhaven and Sesame a formidable team
You have come to this page presumably because you may need some qualified, independent investment advice, with regard to a lump sum or maybee regular savings that you are thinking of making.
The traditional way is to go into a known high street operation, such as a bank, or building society, and seek advice from an institution that you already know. The advantage of this is that it seems easy, and familiarity is a soothing added ingredient.
The disadvantages could be:-
Do they only offer one companies products? - these would be in effect tied investment advisers, so not much choice there, if that is all they do, as there is more than one company to choose from! However some organisations do have in house IFA's that may be able to provide further advice, although this may be open to the larger investment only, the smaller ones being only offered the reduced choice of an in house range of funds, with tied advice. You may say yourself, "a second class citizen" then. Not eligible for the top choices unless you are mister money bags.
Perhaps it is best to check exactly what you would be getting in your situation, ie tied advice or independent investment advice?.Perhaps you do not really know where to go, so you drift in to the only place you are familiar with, although you cannot be blamed for following your normal habits.
Most "high class" investment fund houses do not operate from the high street as they work from central offices, often in the city, so why tie your self to restricted tied investment advice when there are so many quality offerings out there that you could choose from, if you knew they existed. Why not treat yourself to something a little better? Because you are worth it! Our experience tells us that the very wealthy are more likely to choose independent investment advice as they are "switched on" and receive professional assistance, so even if you are not in this position (and who is!), why not treat yourself to the same opportunities that they use.
Another point is that if you are making investments into stocks and shares ISA's, and you go to a tied adviser, you have to use the same company for all that years investments. Through the independent investment route you can channel your investments through a funds supermarket, such as Funds Network, and invest into many different fund companies in the same tax year !spreading your hard earned savings across the best of the bunch in each investment sector. Much more flexible!
A new horizon!
Here at Millhaven we offer a no pressure investment advice environment, with the resources of the Sesame Research team, who research each fund, and product type, to ensure that you are advised of the best funds in their field, and product types available in the market today. A long way from the old fashioned one product, tied advice approach.
As you may not have the time or skill to do this yourself, then why not sit back and let us do that for you. Remember, Sesame is the largest provider of financial products in the UK, so is the big one! It is also interesting to note that not all IFA's have access to qualified in house research departments, having to do all the work themselves.
We may be able to take more time than the high street can, you will not be overheard, in small cramped, open plan work stations, being interviewed in local branches, as you will be in the comfort of your own home or office, as we come to you! That is the least we can do.
Advice will include a correct assessment of your attitude to risk, a proper full fact find to assess your situation, a fully qualified researched product/funds proposal for you perusal, not pressure what so ever, and the beauty of being able to choose from the WHOLE OF MARKET, which is what investment advice is really all about. The ability to use a no extra charge funds supermarket for ISA and unit trust flexibility if you agree -the modern way to invest really, and you can see everything on line day or night!
So if you would like to free yourself from the old constraints, and see what the world has to offer, then you are most welcome to contact Millhaven -we don't bite! and you may find that it is the best thing you have done for some time! At least we hope so!
CAPITAL GAINS TAX ON INVESTMENTS ETC.
FROM 23rd July 2010 onwards.
The new government has changed the capital gains tax rules to obtain more money from you the taxpayer, - nothing new there then! These changes are from 23/07/2010 in the emergency budget. They have now linked the capital gain itself with your normal income to see if it goes above the basic rate tax threshold. If it does then some of your captial gains tax may be payable at 28% rather than 18%. You may like to check this out by clicking on the CGT link.
Capital gains tax and you
We come to you, and cover a large area including, Reading, Wokingham, Newbury, Ascot, Basingstoke, Maidenhead, Windsor, Cookham, Camberley, Hungerford, High Wycombe, Oxford, Slough, Henely On Thames, Bracknell, Slough, Wallingford, Berkshire, and the south of england, including London.
Some useful external sites:-
By clicking on the below links, you will leave the regulated site of Millhaven Independent Advice. Neither Millhaven Independent Advice, nor Sesame Ltd are responsible for the accuracy contained within the linked sites.
FSA Banking Licences, (for £50,000 compensation per licence rules)
National Statistics (RPH figures, prices houses, average wages etc). Important for financial planning.
Research your investment, pension funds
MoneyWeek - FTSE charts + world stockmarket charts (on home page) + currency charts eg pound/euro.
The Bank of England
London Stock Exchange - see your share prices + check FTSE index etc.
National Savings
Melton Mowbray Building Society
Post office savings
The Principality Building Society
Metro Bank the newest bank in the UK!