Savings & Investments

The following are some of the more common investment opportunities available through MCB Financial Planning Limited:

Individual Savings Accounts
Individual Savings Accounts are a form of investment, offering a tax-privileged way of holding cash deposits & stocks and shares. They have been introduced to replace PEP's and TESSA's and were made available on 6th April 1999.  The new ISA limits for 2008-2009 have recently been set at £7,200 overall, and we can assist you in choosing the most suitable cash and/or stocks and shares ISA.

Unit Trusts/OEIC
Unit Trusts/OEIC are a way of spreading your investment, and the associated risk, over the stocks and shares of many different companies. The trust is managed for you by investment experts and your money, along with that of many other investors like you, goes into a fund that is divided into units. The price of these units is based directly on the value of investments held. We offer advice on a range of unit trust products and product providers.

Pensions
Pensions are another tax-efficient investment. You receive tax relief on what you pay in, your contribution is invested in a fund which grows in a tax efficient manner and at retirement you may be able to exchange a part of your taxed pension for a tax-free lump sum. As with any other tax-privileged investment, the Inland Revenue sets maximum limits on the amounts you pay in.

Investment Bonds
There are a wide range of unit-linked, with profit, and guaranteed bonds on the market, and each can be tailored to your individual situation to produce investment growth and/or income.  There is a broad choice of investment funds, ranging from UK-based to international, property, fixed interest and corporate bond funds as well as aggressive, balanced and cautious funds offered by the product providers.

Deposit Accounts
We can assist you in recommending the most suitable deposit accounts with banks and building societies, offshore accounts, cash ISAs, and National Savings accounts.

MCB Financial Planning Limited is Authorised and Regulated by the Financial Services Authority and is entered on the FSA register (http://www.fsa.gov.uk/register/) under reference 468805.

The guidance and/or advice contained within this website are subject to the UK regulatory regime, and are therefore targeted at consumers based in the UK.