Investments - Oxford Advisory

Whatever your investment needs, we aim to help you take control of your finances by offering a range of solutions to fit with your overall financial strategy.

Investing should be clear and straightforward for everyone. No confusing jargon or hidden fees. At The Oxford advisory Partnership we will explore with you what options you have, how to manage risk, help you make use of your allowances and invest tax-efficiently. Investing involves more than blind luck, it involves planning and strategy.

We recognise that no single investment house has a monopoly on investment expertise, and we do not employ in-house investment managers. Being independent allows us to carefully select a number of external managers of outstanding ability to manage our range of funds. This provides diversification of different styles, utilising both active and passive investing.

A Passive approach gives clients access to markets at a competitive price.
An Active approach, whilst more expensive, can add value because of the opportunities a fund manager can capitalise on.
Adopting a blend of both Active and Passive strategies gives our clients the best of both worlds; exposure to cost effective market opportunities whilst taking opportunity of a fund manager’s ability to identify market opportunities.

THE VALUE AND INCOME FROM INVESTMENTS MAY GO DOWN. YOU MAY NOT GET BACK THE ORIGINAL AMOUNT INVESTED.

Lifetime ISA

Lifetime ISA accounts

From April 2017, any adult under 40 will be able to open a new Lifetime ISA. Up to £4,000 can be saved each year and savers will receive a 25% bonus from the government on this money.

Money put into this account can be saved until you are over 60 and used as retirement income, or you can withdraw it to help buy your first home.

The value of investments and income from them may go down. You may not get back the original amount invested

ISA

Individual Savings Accounts (ISAs)

You can save tax-free with Individual Savings Accounts (ISAs).

Currently, the maximum you can save each tax year in ISAs is £20,000

There are three types of ISA:

cash ISAs
stocks and shares ISAs
innovative finance ISAs

Each tax year you can put money into one of each kind of ISA. The tax year runs from 6 April to 5 April.

You can save up to £20,000 in one type of account or split the allowance across two or three types.

The value of investments and income from them may go down. You may not get back the original amount invested.

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

Unit Trusts

A unit trust reduces your risk of investing in the stock market by pooling your savings with thousands of others, and then spreading the money across a wide range of shares or other types of investment.

OEIC

OEICs

Open ended investment companies were introduced into the UK in 1997, from Europe. Open-ended means shares in the fund will be created as investors invest and cancelled as they cash in.

Investment Trusts

Investment Trusts are companies that buy and sell shares in other companies. When you invest in an investment trust company, you become a shareholder of that company. Your shares will rise and fall in value according to supply and demand for the shares.

Unlike a Unit Trust and an OEIC, the number of shares within an investment trust is limited (there are only so many that can be bought and sold at any time).

Contact us today

We’d love to hear from you. As a firm of Independent Financial Advisers we can give you the most suitable advice for your needs from the whole of the market.
Not everyone’s financial advice is independent. Ours is.