Creating and maintaining the right investment strategy is vital to achieving your financial goals.
When it comes to planning for you and your family's financial future, how you choose to invest will depend entirely on your personal circumstances and what you want to achieve.

For example, if you’re investing for your retirement you will need to employ a different strategy than if you’re aiming for a shorter-term goal. With so many investment options available there is a multitude of products that could help you to achieve your medium and long-term objectives.

We will work with you to create an investment plan that balances your key objectives with your attitude to risk, accounting for your current and potential tax position. We will also develop the best investment management plan for you, to help ensure that your money is working as efficiently as possible to help you achieve your goals.


As there are usually no minimum periods of investment and limited tax implications, ISAs can be an attractive proposition, especially to those paying tax.

Stocks and shares ISAs offer the possibility of higher returns than their cash alternatives, but they do come with higher associated risk. Unlike a cash ISA which offers tax free saving, a stocks and shares ISA lets you put money into range of different investments, including unit trusts, open-ended investment companies (OEICs) and investment trusts, as well as government and corporate bonds free of income and capital gains tax.

As of April 2017 you can place up to £20,000 into an ISA each tax year.

Investment Bonds

Investment bonds are single premium investments which usually offer an open-ended term and a variety of different investment options can be accommodated within this tax efficient wrapper.

An investment bond operates under special rules which give the opportunity to plan income and defer potential income tax liabilities and any gains made are not subject to capital gains tax on the policyholders. This investment vehicle can be used as a valuable tax and investment planning tool as part of a portfolio of personal investments or investments made on behalf of a Trust.

Unit Trusts and OEICs

Open-Ended Investment Companies (OEICs) and Unit Trusts are seen by many as the most popular investment funds available. Both are a type of collective investment where you invest your money alongside other investors, spreading the risks involved. 

When investing in an OEIC you buy shares in the company itself.  The company uses the pooled funds from all the investors to buy assets on your behalf, such as stocks and shares, gilts, and property. The investment is ‘open-ended’ as the assets (represented by your shares), can be changed, bought or sold at any time.

Tax-Efficient Investing

Whilst HMRC’s stance on anything that is not statutory in nature has hardened, we continue to believe in the importance of tax-efficient investments as part of your overall investment strategy.

Successive governments have created and implemented legislation to support certain types of investment, and we seek to use non-contentious solutions based on these statutory allowances. The tax relief can be up to 50% of the amount invested, or may provide significant risk mitigation.

At Pentagon Wealth, we know how important tax is in terms of financial planning and we are here to help both personal and corporate clients organise their affairs in a tax-efficient manner.
The value of investments may fall as well as rise. You may get back less than you originally invested.

Contact one of our investment specialists today

Contact Us
100 High Street
5th Floor, The Grange
London, N14 6BN
Pentagon Wealth is the trading name of Pentagon Wealth Ltd. Pentagon Wealth Ltd is an Appointed Representative of Julian Harris Financial Consultants, authorised and regulated by the Financial Conduct Authority No. 153566. Pentagon Wealth Ltd – Registered Address: 100 High Street, 5th Floor, The Grange, London, N14 6BN – Registered in England, No. 846206