Caple Banks Ltd

Caple Banks have done a fantastic job helping me minimise my tax liabilities with a new pension plan, benefitting both me and my company.

- Dr P. Murray - Director CatScI Ltd.

Introductions to professionals must be considered very carefully, my past experience with Caple Banks gives me the confidence to do this, as I know clients will be provided with an excellent personal service

- Mr R. Mills FMAAT ATT (Fellow) – Accountant

Kevin has been our IFA for many years, his advice and recommendations are exemplified by excellent returns over the last three difficult investment years.

- Mr A. Webb – Retired Pilot

The personal service we have received from Jody has been really efficient and we can rest more easily now knowing that we are well covered in the event of an untimely illness or accident.

- Mr D. Berry – Associate Structural Engineer

The service I have received from Caple Banks has been so good that I have recommended them to a number of close friends and family, who in turn have been very happy with the service they’ve received.

-Mr T. Gunner – Owner, T&T Filtration Ltd

The service I have received from Caple Banks has been so good that I have recommended them to a number of close friends and family, who in turn have been very happy with the service they’ve received.

- Mr D. Osborne – Retired Helicopter Engineer.

Savings & Investment

The value of pension and investments and the income they produce can fall as well as rise. You may get back less than you invested.

There is a bewildering array of products you can use for saving and investment. However, the basic principles of investing do not need to be complicated and our job is to find the products suitable for you.

We begin by conducting a detailed personal review of your current financial position, aspirations and objectives. We will consider your attitude to risk and your income and growth needs.

We will assess all of the above factors with you before making recommendations. There are four main types we use regularly and a whole host of specialist products which can also be considered where relevant.

Savings Accounts and National Savings

Your rainy day money needs to be accessible but also earning interest where possible. The best rates available change regularly but are currently not particularly encouraging to savers.

The government announced in the budget that from April 2016 the first £1,000 earned on savings will be completely free of tax for all basic rate and non-tax payers. Higher rate tax payers will receive a £500 allowance.

Individual Savings Accounts (ISAs)

If you have money to invest for a medium time frame (3 years or more) an ISA is an ideal vehicle to use. It provides tax free income and growth, and a generous annual allowance which enables you to build up a large portfolio over the course of a number of years free of any tax concerns. We encourage most savers to utilise their annual allowance where possible.

Pensions

We will seek to utilise Pensions as a very tax efficient savings vehicle if you are looking to save for the long-term and/or your retirement.

General Portfolio Account

For savers with larger amounts to invest we will generally recommend a general portfolio account is opened. We will seek to use tax free investments such as your ISA allowance first and on an annual basis. With the remaining money, investing in a general portfolio account which will give you access to a wide range of investments.

For more complex situations we may also consider the use of life assurance bonds and offshore investments.

Also See

Investment Principles Investment Trusts NISAs Help to Buy ISAs

Junior ISAs Retirement Planning Government Gilts

Corporate Bonds