Investment Advice
with Digby Associates
Investing can feel complex, but we help you make clear, informed decisions aligned to your goals, risk and timeframe. We’ll support you in building a diversified portfolio that works for you, so you can invest with clarity and confidence. The value of investments can fall as well as rise, and you may get back less than you invested.
We help you make the most of tax-efficient saving and investing in a way that feels clear and well considered. ISAs offer a flexible way to save or invest, with any growth or income typically free from UK Income Tax and Capital Gains Tax.
We help you make effective use of your annual ISA allowance, consider the options available, and build a tax-efficient approach that supports your short and longer-term goals.
ISAs are a widely used and tax-efficient way to save or invest for the future. With different types of ISA available, it is not always straightforward to know which option may be most suitable for your circumstances.
Getting the right structure in place can make a meaningful difference over time, helping you use available allowances effectively and keep more of your returns.
We can guide you through the available options and recommend a suitable approach based on your circumstances, attitude to risk and future plans, keeping things clear, practical and easy to manage.
Yes, you can pay into multiple ISAs in a year, but the total you pay into all ISA’s in the tax year can not exceed the £20,000 limit.
A Cash ISA is better for those wanting risk-free savings, while a Stocks & Shares ISA offers higher potential returns but with investment risk. The right choice depends on your risk appetite and investment horizon.
manufacturing while supporting companies with strong ethical practices.
Yes, but some ISAs have restrictions so you need to understand the nature of your specific product.
Flexible ISAs allow you to replace withdrawn funds within the same tax year without affecting your allowance, while Stocks & Shares ISAs may take time to cash out investments and should be seen as medium to longer term investments.
A common rule is to keep 3–6 months’ worth of expenses in an easy-access savings account for emergencies, then invest any additional funds based on your financial goals and risk tolerance.
Working with a qualified financial adviser will enable you to structure your savings and investments to suit your individual circumstances.
Ethical investing involves choosing investments that align with personal values, such as environmental sustainability, social responsibility, and good corporate governance (ESG). Investors can select funds that avoid industries like tobacco, fossil fuels, or arms manufacturing while supporting companies with strong ethical practices.
Fill in the form below to receive our FREE informative Guide to Investing and what it involves, straight to your inbox.
We won’t share your details, check out our Privacy Policy for information about how we use your data.
We help you explore higher-risk investment opportunities with clarity and care. Enterprise Investment Schemes (EIS) can provide access to qualifying early-stage businesses, alongside a range of tax reliefs for eligible investors who are comfortable with the level of risk involved.
We help you consider tax-efficient investment opportunities, support growing businesses, and diversify your wider portfolio with higher-risk investments that may offer greater long-term growth potential.
EIS can offer attractive tax advantages and the opportunity to invest in smaller, developing businesses. However, these investments carry a higher level of risk, as they invest in assets that can be difficult to sell, and the value of investments can fall as well as rise. Investors may not get back what they originally invested, even taking into account the tax benefits.
Used appropriately, EIS can play a role within a wider financial plan, particularly for those who understand and are comfortable with that level of risk.
We can help you understand how EIS may fit within your overall strategy, assess whether it is suitable for your circumstances, and guide you through the available options in a clear and balanced way.
Estate planning is the process of arranging how your assets (such as property, money, and possessions) will be managed and distributed after your death.
It’s important because it ensures your wishes are followed, reduces inheritance tax liabilities and helps prevent disputes among beneficiaries. It can also include making arrangements for your long term care if you become unable to make decisions yourself.
EIS provides several tax advantages, including:
- 30% income tax relief on investments up to £1 million (or £2 million if investing in knowledge-intensive companies).
- Capital gains tax (CGT) exemption on gains from the sale of EIS shares after at least 3 years.
- Loss relief: If your investment performs poorly, you may be able to offset the loss against your income tax.
- CGT deferral: You can defer capital gains tax on other assets by reinvesting in an EIS-qualifying company.
To receive the tax reliefs, you must hold your EIS shares for at least 3 years from the date of investment. If you sell the shares before this period, you may lose the tax reliefs, and the tax benefits would be clawed back.
Most UK taxpayers can invest in an EIS, provided they are at least 18 years old and do not already hold a significant shareholding (more than 30%) in the company they’re investing in. EIS is typically used by individuals with higher net worth or those seeking tax-efficient investment opportunities, but professional advice is recommended to ensure eligibility and suitability.
Fill in the form below to receive our FREE informative Guide to Investing and what it involves, straight to your inbox.
We won’t share your details, check out our Privacy Policy for information about how we use your data.
If you have any questions regarding wealth management at Digby Associates please get in touch with our team of qualified financial advisers for a no obligation chat.
We help you invest in a way that reflects both your financial goals and what matters to you. ESG investing considers environmental, social and governance factors alongside other investment considerations, supporting a thoughtful long-term approach.
We help you align your investments with your personal priorities, consider sustainability factors, and build a portfolio that reflects both financial objectives and wider preferences.
Many investors are increasingly interested in the wider impact of where their money is invested, as well as the potential financial outcomes. ESG investing can provide a way to take both into account.
However, approaches can vary, and definitions are not always consistent. Understanding the different options and finding the right balance between your priorities, risk tolerance and investment objectives is important.
We can help you understand the different approaches to ESG investing, cut through the complexity, and build a suitable investment strategy that reflects what matters to you while remaining aligned to your broader financial plan.
Ethical investing involves choosing investments that align with personal values, such as environmental sustainability, social responsibility, and good corporate governance (ESG). Investors can select funds that avoid industries like tobacco, fossil fuels, or arms manufacturing while supporting companies with strong ethical practices.
Ethical investments can perform competitively, with some ESG funds even outperforming traditional counterparts.
However, performance varies based on market conditions and the specific sectors included or excluded.
Look for independent certifications such as the FTSE4Good Index, MSCI ESG Ratings, or B Corp certification.
Reviewing a fund’s ESG policy and checking its holdings can also help verify ethical credentials.
A common rule is to keep 3–6 months’ worth of expenses in an easy-access savings account for emergencies, then invest any additional funds based on your financial goals and risk tolerance.
Working with a qualified financial adviser will enable you to structure your savings and investments to suit your individual circumstances.
Fill in the form below to receive our FREE informative Guide to Investing and what it involves, straight to your inbox.
We won’t share your details, check out our Privacy Policy for information about how we use your data.
We help you consider early-stage investment opportunities as part of a balanced long-term plan. Seed Enterprise Investment Schemes (SEIS) can provide access to qualifying start-up businesses, alongside tax incentives for eligible investors who are comfortable with higher levels of risk.
We help you consider early-stage investment opportunities, explore tax-efficient strategies, and diversify your wider portfolio with higher-risk investments that may offer greater growth potential.
SEIS offers a range of tax incentives designed to encourage investment into smaller, early-stage companies. These can help to offset some of the risks involved.
However, SEIS investments are high risk and can be highly speculative, as they invest in assets that can be difficult to sell. The value of investments can fall as well as rise, and investors may not get back what they originally invested, even taking into account the tax benefits. Understanding how SEIS may fit within your wider financial plan is important.
We can help you assess whether SEIS is suitable for your circumstances, explain how it works in practice, and consider how it may form part of a balanced and well-considered investment strategy.
As with all financial planning, there is no one size fits all approach to investment.
How you save and invest your money will depend on your life goals and personal circumstances. We always recommend you seek professional advice before making any investment decisions, however as a general rule, for short-term savings you could consider high-interest savings accounts or Cash ISAs. For long-term growth then investment in stocks and shares, bonds or pension funds may be more suitable.
It is important to balance your risk by having a mixed portfolio covering both the short and longer term.
A common rule is to keep 3–6 months’ worth of expenses in an easy-access savings account for emergencies, then invest any additional funds based on your financial goals and risk tolerance.
Working with a qualified financial adviser will enable you to structure your savings and investments to suit your individual circumstances.
Low-risk options include government bonds (gilts), fixed-term savings accounts and diversified funds. However, all investments carry some level of risk, and inflation can erode the value of cash savings over time.
.
Yes, open conversations about areas such as wealth transfer, estate planning and financial goals help ensure smooth wealth succession and prevent misunderstandings in the future.
At Digby Associates we regularly provide intergenerational financial advice working together with family members to help them meet their own individual financial goals as well as ensure create a structured financial plan to enable a smooth and tax-efficient transfer of wealth throughout the generations.
Ethical investing involves choosing investments that align with personal values, such as environmental sustainability, social responsibility, and good corporate governance (ESG). Investors can select funds that avoid industries like tobacco, fossil fuels, or arms manufacturing while supporting companies with strong ethical practices.
Fill in the form below to receive our FREE informative Guide to Investing and what it involves, straight to your inbox.
We won’t share your details, check out our Privacy Policy for information about how we use your data.
If you have any questions regarding wealth management at Digby Associates please get in touch with our team of qualified financial advisers for a no obligation chat.
We help you take a considered approach to passing on wealth and supporting future generations. Intergenerational wealth planning focuses on protecting what you have built, managing potential tax liabilities and creating long-term clarity for those close to you.
We help you consider how wealth may be passed on, plan for potential tax liabilities, and support future generations in a practical and well-structured way.
Passing on wealth is not only about transferring assets, it is also about creating clarity and fairness for the people involved. Without appropriate planning, decisions can become more complex and your estate may face avoidable tax liabilities.
Taking a long-term view can help protect what you have built, while making sure your intentions are understood and reflected in your plans.
We can work with you to understand your priorities, review the options available, and put clear arrangements in place that support both your family and your longer-term wishes.
Yes, open conversations about areas such as wealth transfer, estate planning and financial goals help ensure smooth wealth succession and prevent misunderstandings in the future.
At Digby Associates we regularly provide intergenerational financial advice working together with family members to help them meet their own individual financial goals as well as ensure create a structured financial plan to enable a smooth and tax-efficient transfer of wealth throughout the generations.
You can use strategies such as gifting within the annual allowance (£3,000 per year tax-free), placing assets in a trust, contributing to a Junior ISA or pension for children, or using Business Relief-qualifying investments to reduce inheritance tax (IHT).
Inheritance tax is charged at 40% on estates over the £325,000 threshold (£500,000 if passing to direct descendants). Using trusts, gifting, and life insurance policies can help mitigate IHT liabilities.
.
The most appropriate investments to transfer wealth will depend on your individual circumstances and you should work with a financial adviser to put in place a suitable strategy.
Tax-efficient options that could be included are pensions (which can be inherited tax-free in some cases), ISAs (which beneficiaries can inherit via an Additional Permitted Subscription), and investments that qualify for IHT relief, such as AIM shares.
Alternative Investment Market (AIM) invest in assets that are high risk and can be difficult to sell such as shares in unlisted companies. The value of the investment and the income from it can fall as well as rise and investors may not get back what they originally invested, even taking into account the tax benefits.
Fill in the form below to receive our FREE informative Guide to Investing and what it involves, straight to your inbox.
We won’t share your details, check out our Privacy Policy for information about how we use your data.
We help you explore tax-efficient investment opportunities with a long-term perspective. Venture Capital Trusts (VCTs) provide access to qualifying smaller UK businesses, with potential income and growth benefits for investors who understand the risks involved.
We help you consider tax-efficient investment opportunities, explore potential income options, and diversify your wider portfolio through exposure to smaller, growth-focused companies.
VCTs can offer attractive tax benefits and the opportunity to invest in developing UK businesses. However, these investments carry a higher level of risk, as they invest in assets that can be difficult to sell, and the value of investments can fall as well as rise. Investors may not get back what they originally invested, even taking into account the tax benefits.
They are typically more suitable for investors with a longer-term outlook and an understanding of the risks involved. Used appropriately, VCTs can form part of a diversified strategy alongside other investments.
We can help you understand how VCTs work in practice, assess whether they may be suitable for your circumstances, and consider how they could fit within your wider investment strategy.
Investors can receive up to 30% income tax relief on investments up to £200,000 per tax year, tax-free dividends, and exemption from capital gains tax on profits from VCT shares (provided shares are held for at least five years).
VCTs provide income tax relief and tax-free dividends, while the Enterprise Investment Scheme (EIS) and Seed Enterprise Investment Scheme (SEIS) offer additional benefits like capital gains tax deferral and loss relief. EIS and SEIS investments are often higher risk but provide greater tax incentives for investors comfortable with early-stage companies.
Yes, open conversations about wealth transfer, estate planning, and financial goals help ensure smooth wealth succession and prevent misunderstandings. Many families work with a financial advisor to create a structured plan.
Fill in the form below to receive our FREE informative Guide to Investing and what it involves, straight to your inbox.
We won’t share your details, check out our Privacy Policy for information about how we use your data.
If you have any questions regarding wealth management at Digby Associates please get in touch with our team of qualified financial advisers for a no obligation chat.