Investment Advice

Investment Advice

There are many ways to take care of your savings and investments. Equally, there are many banks, building societies and financial institutions with a vast range of products. Lifetime IFA can help you choose the right vehicle and product and always keep an eye on tax efficiency, cost and performance and flexibility.

Lifetime IFA provides advice and guidance on products from the whole market, not just a small panel of providers or fund houses. It's worth starting with the end in mind when it comes to investment advice; what is the financial goal? Knowing what your financial objective is will help determine what tax wrapper is most suitable, here are some examples:


For a free initial consultation, without obligation, please complete the form below or call 01803 526 171

Financial Goal Suitable Tax Wrapper
Income in Retirement Personal Pension or SIPP
Income ISA or a Bond
Growth ISA or Investment Account
Inheritance Tax Planning EIS, BPR, Bonds

Once we know which type of account is most suitable, we can start building a portfolio of investments that can are available within the tax wrapper and compliment your personal attitude towards risk. 

Although Multi-Asset risk rated funds have grown in popularity, they generally provide average returns at a relatively high price so we will build portfolios using specialist single asset fund types where the fund managers are experts in their field. We also use tracker funds within the portfolio as these give access to certain indices at a very low cost. Below is an example of a Balanced Growth portfolio.

Artemis US Smaller Companies Fund I Acc GBP (GBP) Artemis Fund Managers Limited 4.00
HSBC American Index Fund Accumulation C (GBP) HSBC Global Asset Management (UK) Ltd 7.00
Vanguard Pacific ex-Japan Stock Index Fund GBP Income (GBP) Vanguard Group (Ireland) Limited 4.00
M&G Emerging Markets Bond Fund Sterling I Acc (GBP) M&G Securities Ltd 5.00
iShares Overseas Corporate Bond Index Fund (UK) D Acc (GBP) BlackRock Fund Managers Limited 6.00
Schroder Global Cities Real Estate Z Income GBP (GBP) Schroder Unit Trusts Limited 4.00
AXA Framlington Global Technology Fund Z GBP Acc (GBP) AXA Investment Managers UK Ltd 3.00
Dodge & Cox Worldwide Global Bond Fund GBP Inc (GBP) Dodge & Cox 4.00
Fidelity Index Pacific ex Japan Fund P Accumulation Shares (GBP) Fidelity (FIL Investment SVCS (UK) Ltd) 4.00
Fidelity Index US Fund P Accumulation (GBP) Fidelity (FIL Investment SVCS (UK) Ltd) 7.00
Investec American Franchise Fund I Acc GBP (GBP) Investec Fund Managers Ltd 4.00
Schroder Institutional Pacific I Acc (GBP) Schroder Unit Trusts Limited 7.00
iShares Global Property Securities Equity Index Fund (UK) D Acc (GBP) BlackRock Fund Managers Limited 6.00
TIME Freehold Income Authorised Fund Class A Gross Accumulation (GBP) TIME Investments 5.00
Aberdeen European Equity I (GBP) Aberdeen Standard Fund Managers Limited 3.00
Fidelity European Fund W-Income (GBP) Fidelity (FIL Investment SVCS (UK) Ltd) 2.00
HSBC European Index Fund Accumulation C (GBP) HSBC Global Asset Management (UK) Ltd 2.00
Vanguard FTSE U.K. All Share Index Unit Trust Income (GBP) Vanguard Investments UK, Limited 5.00
Standard Life Investments UK Smaller Companies Fund Platform 1 Accumulation Shares (GBP) Aberdeen Standard Fund Managers Limited 4.00
iShares UK Gilts All Stocks Index Fund (UK) D Acc (GBP) BlackRock Fund Managers Limited 2.00
iShares Corporate Bond Index Fund (UK) D Acc (GBP) BlackRock Fund Managers Limited 1.00
Rathbone Ethical Bond Fund Institutional Inc (GBP) Rathbone Unit Trust Management Limited 2.00
Allianz Gilt Yield I Inc (GBP) Allianz Global Investors GmbH/td> 3.00
Liontrust Sustainable Future UK Growth Fund Class 2 Net Accumulation (GBP) Liontrust Fund Partners LLP 5.00
Cash - Bank Account (GBP) Cash Account Co 1.00