Services

Investments

Everyone wants to make the most of their hard earned money……

Selecting the right investment however, can prove quite difficult. You need to consider tax efficiency, the risks involved and where your money is actually invested. At Grape, we focus on building a deep understanding of you, your individual circumstances and your attitude to investment risk.

This is essential in us guiding you to the right investment decisions for you

Investment Options

What are my investment options?

You may be looking for an investment with the hope of greater returns. In these times of continued low interest rates, your savings may not be returning a satisfactory amount of interest from your bank or building society.

Investments can vary in a number of ways.

Some offer a fixed return, provided the money remains invested for a certain period of time. Early encashment could mean there are penalties to pay.

Others may offer a guarantee of returning the initial investment, but again this could mean investing for a specific term, which may not be palatable to you.

Other investments offer no specific term and no guaranteed returns, they are subject to market volatility and may not be appropriate for the level of risk you are prepared to take.


  • Individual

    Personal Investments

    You may not like the thought of your investment fluctuating in value, which could mean that you are not comfortable in investing in certain asset types.

    By asking the right questions and determining the factors that are important to you, we can advise accordingly to match your requirements and preferred outcomes.

    For any client, the term you are able and prepared to invest for, the accessibility, tax efficiency and the level of risk you are prepared to take, are all factors we would consider before making any recommendations:

    Short-Term – refers to regular savings such as those with your bank or building society. Investments over this short time frame are immediately accessible meaning returns will typically be lower than longer-term investments. It’s recommended that personal investors keep at least three months’ net income as an emergency fund. This will provide you with immediate funds when you need them, protecting you if an unexpected event, such as the loss of your job were to occur. The tax efficiency of these savings can often be forgotten, but wherever there is an advantage to be gained it should always be utilised.

    Medium-Term – these investments are typically for a minimum of five years. Due to the slightly longer-term, returns will potentially often be higher than short-term investments. Accessibility is still an important factor and again with this type of planning you should look to maximise tax efficiency, whilst being prepared to leave the funds over the allotted time frame.

    Long-Term – the length of a long-term investment will depend on certain factors such as the age of the person investing or the specific goal. It is typically considered to be for ten years or longer. Returns in this area can be higher than short-term or medium-term investments. Pensions and retirement planning in general are typical of the investments that fall into the scope of long-term planning.

    Ideally, if you’re looking to invest your hard-earned money you may need to spread it throughout each of the above areas. Diversification is the key to maintaining access, as and when you need it, whilst potentially obtaining a greater return.

  • Corporate

    Investments on behalf of a company or organisation

    If you run a company that has good cash flow or holds excess capital reserves in the bank, it may be sensible to explore how corporate investments could potentially help you to get better returns. You may also be missing out on the advantages of investing the money, using more tax efficient methods.

    For any client, the term you are able and prepared to invest for, the accessibility, tax efficiency and the level of risk you are prepared to take, are all factors we would consider before making any recommendations:

    Short-Term – refers to regular savings such as those with your bank or building society. Investments over this short time frame are immediately accessible meaning returns will typically be lower than longer-term investments. It’s recommended that personal investors keep at least three months’ net income as an emergency fund. This will provide you with immediate funds when you need them, protecting you if an unexpected event, such as the loss of your job were to occur. The tax efficiency of these savings can often be forgotten, but wherever there is an advantage to be gained it should always be utilised.

    Medium-Term – these investments are typically for a minimum of five years. Due to the slightly longer-term, returns will potentially often be higher than short-term investments. Accessibility is still an important factor and again with this type of planning you should look to maximise tax efficiency, whilst being prepared to leave the funds over the allotted time frame.

    Long-Term – the length of a long-term investment will depend on certain factors such as the age of the person investing or the specific goal. It is typically considered to be for ten years or longer. Returns in this area can be higher than short-term or medium-term investments. Pensions and retirement planning in general are typical of the investments that fall into the scope of long-term planning.

    Ideally, if you’re looking to invest your hard-earned money you may need to spread it throughout each of the above areas. Diversification is the key to maintaining access, as and when you need it, whilst potentially obtaining a greater return.


Attitide To Risk

How do I check my attitude to risk?

At Grape, we offer advice on your whole range of investment options.

Your individual advice and the risk you are prepared to accept will depend on a number of factors, including;

  • The purpose of your investment
  • The length of time you’re looking to invest your money for
  • Your existing investment planning
  • Your age
  • Your health
  • Your overall wealth
  • Your capacity for loss

For more information, please get in touch. We’d love to talk you through your full range of investment opportunities.

More Information

Risk warning

The value of investments and income generated can go up or down. You may not get back the original amount invested.

How To Find Us

Number One
The Cloisters
10-12 George Road
Edgbaston, Birmingham
B15 1NP

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Grape IFA Ltd is an appointed representative of TenetConnect Limited, which is authorised and regulated by the Financial Conduct Authority. TenetConnect Limited is entered on the FCA register (www.fca.org.uk/register) under reference 149826.
Grape IFA Ltd is registered in England and Wales under reference 8141882.
Registered office address: Fulford House, Newbold Terrace, Leamington Spa, Warwickshire, CV32 4EA. Tel: 0121 366 9272. The guidance provided within this website is subject to the UK regulatory regime and is therefore primarily targeted at consumers based in the UK.