Diversifying Your Investments: Bonds & Funds

Explore diverse investment avenues with investment and education bonds, alongside managed funds. We’ll guide you through their unique benefits, risk profiles, and potential returns. Tailoring strategies to your goals, we ensure informed decisions, maximising growth and securing your financial future. Let’s navigate these options together.

Building Your Ideal Portfolio

Explore diverse investment options tailored to your goals. From stable bonds and managed funds to dynamic shares and property, we provide expert guidance. We’ll assess your risk tolerance and align investments with your financial aspirations, ensuring informed decisions for long-term growth and security. Let’s build your ideal portfolio.

Tax-Effective, Long-Term Growth

Investment bonds are a type of investment offered by insurance companies. They allow you to invest a lump sum in a range of underlying assets, such as shares, property, or fixed interest investments.

Investment bonds can be a tax-effective investment option, as earnings are taxed within the bond at a maximum rate of 30%, and if held for more than 10 years, the returns can be tax-free. They can be a good option for long-term investment goals and can be used as an estate planning tool, as they can be passed on to beneficiaries without triggering capital gains tax.

Smart Savings for Future Learning

Education bonds are a specific type of investment designed to help families save for education costs. They work similarly to investment bonds, but the money invested is intended to be used for educational expenses.

Education bonds can offer tax advantages. For instance, if the money is used for eligible education expenses, the earnings on the investment may be tax-free. They can be a good option for parents or grandparents who want to help fund a child’s education.

Diversification & Professional Management

Managed funds, also known as mutual funds, are a type of investment where your money is pooled together with other investors’ money and managed by a professional fund manager. The fund manager uses the pooled money to buy a diversified portfolio of investments, such as shares, bonds, or property. Managed funds can offer diversification, professional management, and the ability to invest with a relatively small amount of money. However, they also come with fees and charges, which can eat into your returns, and the performance of the fund depends on the skill of the fund manager.

Personalised Advice

We take the time to understand your goals and financial situation, offering clear, practical advice to help you build, protect and grow your wealth.

Full Financial Picture

From budgeting to retirement planning, we look at every aspect of your finances to create a strategy that works for your lifestyle and future.

Clear Communication

No complicated language or confusion. We explain everything in straightforward terms so you feel confident and in control of your financial decisions.

Ongoing Support

Your goals may change — and we’ll be here when they do. We offer regular reviews and support to keep your financial plan on track.

How Madd Life Can Help

Navigating the complexities of succession planning can be challenging. At Madd Life, we can guide you through the process, helping you understand the benefits, risks, and requirements of this investment strategy.

Matt Prentice

Financial Planner

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Diversifying Your Investments: Bonds & Funds

Building Your Ideal Portfolio

Tax-Effective, Long-Term Growth

Smart Savings for Future Learning

Diversification & Professional Management

Personalised Advice

Full Financial Picture

Clear Communication

Ongoing Support

How Madd Life Can Help

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