At Appletree Financial Services, we understand that building wealth early can make a big difference in your future. Investing doesn’t have to be complicated, and we’re here to make it easy for you to get started. Whether you’re saving for a big goal or just want to grow your money, we’ve got options that suit your needs.
1. ISAs (Individual Savings Accounts)
Starting your investment journey with an ISA can be a smart move, especially when you’re looking for tax-efficient growth. With a Stocks and Shares ISA, you can invest up to £20,000 each tax year, and any returns you make are free from income and capital gains tax. This makes ISAs a great option for young people, offering flexibility as you save for things like a house deposit or travel fund. At Appletree, we offer different ISA options depending on how comfortable you are with taking risks.
2. Pension Services
Even though retirement feels a long way off when you’re in your 20s, starting a pension early means more time for your money to grow. We offer both personal and workplace pensions that let you choose how much risk you want to take on. The earlier you begin, the more you’ll benefit from compound growth, which could leave you with a solid retirement pot by the time you’re ready to stop working. Plus, starting early means you don’t have to contribute as much later to reach your retirement goals.
3. Managed Portfolios
Don’t have time to think about managing your investments? We get it. That’s why our managed portfolios are a good option for young investors who want to take a hands-off approach. Our team of professionals builds and manages a portfolio based on your risk tolerance and financial goals. Whether you’re looking to grow your savings or generate passive income, we’ll keep your investments on track, making adjustments when needed.
4. Investment Advice
We know that managing your money can feel overwhelming, especially when you’re just starting out. That’s why we offer personalised advice to help you make the best decisions for your financial future. Whether you’re working towards a specific goal, like saving for a first home, or simply want to build wealth, we’re here to guide you through the process. Our team breaks down complex terms and helps you feel confident in your investment choices.
The value of your investments and any income from them can fall as well as rise. You may not get back the amount you invested.
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