OUR SERVICES
Investments
Our Investment Services
At Newquay Mortgage and Pensions our investment services are designed to help you grow and protect your wealth with clarity and confidence. We provide considered, long-term investment planning tailored to your goals, attitude to risk, and overall financial position, ensuring your money works as hard as you do, both now and for the future.
Lump Sum Investments
At Newquay Mortgage and Pensions, we specialise in providing holistic investment advice across your entire portfolio. Whether you hold ISAs, SIPPs, trusts, offshore investments, or a wide range of tax efficient wrappers, our advisers ensure your money is working effectively for you. As whole of market Independent Financial Advisers, we offer unrestricted access to investment products and solutions. Our recommendations are shaped entirely around your objectives, financial goals, and personal attitude to risk. We follow a disciplined and recognised investment process designed to minimise risk and maximise potential returns. By combining in depth qualitative research with robust quantitative analysis, we deliver highly informed, thoroughly researched advice. Our approach ensures your portfolio is built around your personal circumstances and investment objectives giving you clarity, confidence, and a clear long term strategy.
Regular Savings
Regular monthly contributions are often viewed as lower risk than lump sum investing due to the benefits of pound cost averaging a strategy we explore in detail during our consultations.
Using our structured investment process, we establish whether lump sum investing, regular savings, or a combination of both is most appropriate for you. Your chosen approach is then matched with your risk profile and informed by our comprehensive research.
Tax Free Investments (ISAs)
An Individual Savings Account (ISA) offers a flexible and tax‑efficient way to save or invest. UK residents aged 16 and over (18 for stocks and shares ISAs) can shelter savings from income tax and capital gains tax.
ISAs allow you to invest in:
- Cash deposits
- Stocks and shares
- Corporate bonds
- Property funds
- Gilts
While stocks and shares ISAs can fluctuate in value, they are generally considered suitable for medium to long‑term investment horizons (5–10 years). Withdrawals are typically unrestricted.
Other types of investment solutions
OEICs
Open Ended Investment Companies (OEICs) are professionally managed funds that allow investors to pool their money into a diversified portfolio. Introduced in the 1990s, they have since become a widely used investment structure.
Unit Trusts
Unit trusts are collective investment funds governed by a trust deed. They offer access to a diverse range of assets and are managed by experienced fund managers on behalf of investors.
Investment Bonds
Investment bonds are single premium, life assurance based investments offering flexibility and choice. They can be tailored for income, growth, or a balanced approach and offer certain tax planning advantages.
Children’s Savings
We offer guidance on a wide range of children’s savings options including:
• Junior ISAs
• Deposit based savings accounts
These products can be an excellent way to build financial security for a child’s future.
Fees
Not all firms charge for advice in the same way. We will explain your payment options clearly and answer any questions you may have.
How we charge for our services:
Initial Fee
What the Initial Fee Covers
The initial fee pays for the adviser’s professional time and the regulated advice process, which typically includes:
• Fact finding and understanding your goals
• Risk profiling
• Research and analysis
• Producing personalised recommendations
• Implementing your investment or pension plan
Ongoing Fee’s
If a client would like us to manage their investments we have an ongoing fee for an ongoing service:
• Annual investment reviews
• Regular suitability assessments
• Performance monitoring
• Ongoing recommendations
• Periodic check ins or updates
No Obligation
There is never any obligation to proceed. You remain in full control, and any recommendations are only implemented if and when you choose to go ahead.
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