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Family Investment Company

A Family Investment Company, sometimes referred to as a FIC, is a company that invests rather than trades. The investments can be in company shares and property, as well as many other types of investment.

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What is a Pension?

Essentially, a pension is just a type of savings plan to help you save money for later in life, typically, your retirement. It also has favourable tax treatment compared to other forms of savings. There are different types of pensions available, depending on your...

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What is a Platform?

In simple terms, a platform is an IT solution that allows clients to consolidate their investments and manage these in one place. In reality, a platform is a service rather than a product.‍A platform includes the following features:A single fee from the platform...

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What is Life Cover?

Life cover, which can also be known as life insurance, is a type of policy that protects your loved ones financially if you die. It can help minimize the financial impact that your death could have on your family, and offer peace of mind to those that you care about...

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What is Income Protection?

If you get sick or injured and are unable to work, income protection pays you part of your monthly income. Income protection payouts are tax-free and help you to protect your finances whilst you recover. As the payouts are tax-free, they should cover most of your...

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The value of pensions and investments can fall as well as rise, you may get back less than you invested.

Tax treatment varies according to individual circumstance and is subject to change.

Business Property Relief Schemes (BPR) invest in assets that are high risk and can be difficult to sell, such as shares in unlisted companies. The value of the investment and the income from it can fall as well as rise and investors may not get back what they originally invested, even taking into account the tax benefits.

For ISA’s Investors do not pay any personal tax on income or gains, but ISAs may pay unrecoverable tax on income from stocks and shares received by the ISA managers.

Stocks and Shares ISAs invest in Corporate bonds; stocks and shares and other assets that fluctuate in value.

Inheritance Tax planning is not regulated by the Financial Conduct Authority.

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