Threshold Financial Services Limited

In addition to pensions, we also offer a range of Enterprise Investment Scheme (EIS) and Venture Capital Trust (VCT) products that offer 30% income tax relief. These are becoming more popular as the Government reduces the amount high earners can contribute to pensions but do carry a greater level of investment risk than conventional alternatives.

There are a number of ways to reduce the value of your estate including gifting assets, spending more, moving money into trust, or investing in a way which benefits from Business Property Relief. It is also possible to insure against a potential inheritance tax liability. The appropriate solution for you will depend on your individual circumstances and it is important to seek professional advice.

We can assist with both the trust creation and investing the trust assets for your beneficiaries. A trust is a separate legal entity, and can provide more control over the distribution of your wealth ‑ even after death.

For those who want to invest without risking capital, we offer a range of Structured Deposits. These are fixed term products (of generally 3, 5 and 6 years) and guarantee a return of your initial deposit at the end of the term. They are linked to an index such as the FTSE, and if that index is higher on maturity, you will receive a predetermined return. If the index is lower, you simply receive a return of your initial investment. With bank interest rates being below inflation, this type of product can be appropriate for those seeking greater returns without risking their capital.

Financial advisers have access to professional products, and can construct a portfolio to match the level of investment risk you are comfortable with in a tax efficient manner. Your financial adviser will use their experience to work with you toward meeting your financial goals and objectives.

Whilst there is no minimum term, we recommend investing for at least 5 years and preferably longer. This is to give your investment time to ride out any market volatility and provide a positive return. History shows the longer your money is invested, the greater the chance of a achieving growth.

Our philosophy is that it is time in the market, rather than trying to time when you invest. This is on the basis that most large falls in the markets are followed quickly by a bounce back. As we are unable to predict future events, it is impossible to determine in advance the optimum time to invest. We also recommend investing for the medium to long term (i.e. over 5 years) to ride out the ups and downs of the markets.