Investing wisely is key to growing your wealth and securing your financial future, but navigating the wide range of investment options can be difficult. Professional investment advice from the team at Digby Associates will help you make informed decisions, aligning your investments with your goals, risk tolerance and time horizon.
We will help you to understand and manage your risk whilst looking to maximising returns by building a diversified portfolio tailored to your needs. Whether you’re planning for retirement, growing your savings, or looking to generate an income we can help you invest with confidence and clarity. The value of investments and the income they produce can fall as well as rise. You may get back less than you invested.
An Individual Savings Account (ISA) is a tax-efficient savings and investment vehicle available to UK residents. The primary advantage of an ISA is that any returns—whether in the form of interest, dividends, or capital gains—are free from income tax and capital gains tax.
The EIS offers a range of generous tax incentives for those willing to invest in small, high-risk companies. While the rewards can be significant, particularly in terms of tax savings, these investments are not without risk.
ESG investing refers to an investment strategy that takes into account Environmental, Social, and Governance (ESG) factors, alongside financial performance, to assess the overall sustainability and ethical impact of investments. ESG investing aims to promote positive social and environmental outcomes while generating financial returns. Find out more about ESG.
The Seed Enterprise Investment Scheme (SEIS) is a UK government initiative designed to encourage investment in early-stage, high-risk companies. They offers a range of attractive tax incentives to investors who support startups and small businesses, providing much-needed capital for companies that are in the early stages of development. Find out more about SEIS.
Intergenerational planning refers to the strategic approach of managing wealth, assets, and financial decisions to ensure that future generations are supported and benefit from a legacy. It goes beyond just leaving assets to family members; it focuses on creating long-term plans that preserve wealth, minimize tax liabilities, and address the needs of multiple generations.
A Venture Capital Trust (VCT) is a type of investment vehicle in the UK designed to encourage investment in small, early-stage companies, particularly those that are higher-risk but have strong growth potential. VCTs are publicly listed companies that pool funds from investors and use the capital to invest in qualifying businesses.
If you have any questions regarding financial investments please get in touch with our team of qualified financial advisers for a no obligation chat.
The London Stock Exchange was opened by Elizabeth I in 1571.
During the 17th century, stockbrokers were not allowed in the Royal Exchange due to their perceived rude manners they instead operated from other establishments in the vicinity, notably Jonathan’s Coffee-House.
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. The value of investments and the income they produce can fall as well as rise. You may get back less than you invested.
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.
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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.
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