At Prism Independent Financial Management we help clients build and manage investments suited to their goals, timescale and attitude to risk. Whether you are investing for the first time or reviewing an existing portfolio, we provide whole-of-market advice focused on clear options and ongoing support.
Stocks & Shares ISAs
A Stocks & Shares ISA lets you invest in funds and other permitted investments with the benefit of tax-efficient growth — you pay no UK tax on income or capital gains within the ISA (subject to current rules and allowances). We can help you choose an ISA wrapper and underlying investments that match your objectives, and make the most of your annual ISA allowance.
Collective Investment Accounts (CIA)
Collective investments — such as unit trusts and open-ended investment companies (OEICs) — pool your money with other investors and are managed by professional fund managers. They offer a straightforward way to gain diversified exposure across markets and asset classes. We review fund choices, charges and risk profile so your portfolio stays aligned with your goals and attitude to risk.
Investment Bonds
Investment bonds can be useful for longer-term investing and, in some cases, for tax planning. They allow you to invest in a range of funds within a single product, with potential for withdrawals under current tax rules. We explain how bonds work, when they may be suitable, and how they sit alongside ISAs and other accounts in your overall arrangements.
Every recommendation is personal. We take time to understand your circumstances before suggesting any product, and we are happy to review existing investments as well as new contributions. If you would like to discuss your options, please get in touch.
Tax treatment depends on your individual circumstances and may change in the future.
The value of investments can go down as well as up and you may get back less than you invested.