Investments & Savings

Three piggy banks

Whether investing for income or growth, Keegan & Pennykid has the knowledge and experience to provide you with advice on the products and schemes available to meet your requirements.

The main reasons for investing money are to supplement pension income in retirement, funding for education, paying off a mortgage early or to provide for dependents. Whatever the reason, we will be able to advise you in all of these areas.

You may have particular values and beliefs which you would prefer to be reflected in your investment choices.  Ethical investment allows you, as an investor, to integrate those values and beliefs with your financial requirements.  To find out more about Ethical Investment

For information on specific investment and savings vehicles, please click on the subjects below:

Bonds
Insurance bonds are lump sum investments into single premium life assurance policies. They work in a similar way to investment trusts and unit trusts, but are taxed as non-qualifying life assurance policies.
Capital Gains
A tax levied on profits made from the sale of assets by individuals.
Some assets (e g. a person’s main residence or car) are exempt from this tax and there is also an annual exemption allowance.
ISAs – Individual Savings Accounts
An ISA is a tax efficient savings vehicle, which will allow investment of up to a specific amount per year (as determined annually by the Government) in stocks and shares, or in a combination of stocks and shares, life assurance and cash.

  • An ISA protects your chosen investments from income tax and capital gains tax.
  • All UK residents aged 18 and over can invest in an ISA.
  • 16-17 year olds can invest in a “cash” ISA.
  • You cannot have a joint ISA account but couples can take out an ISA each.
National Savings
National Savings are offered by Government in varying forms including premium bonds, national savings certificates and growth bonds.
Unit Trusts
A Unit Trust is a collective investment fund, the main aim of which is to invest in Equities.  Unit holders own the trust and the price of their units are directly related to the value of the trust’s assets.  The price of units is increased or decreased to reflect the value of the fund.

For further information or advice about Investments & Savings, please contact us

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