Using Your Masterclass Skills for Investment

SMI£E portfolios generates substantial returns with minimal risk and are particularly effective for long term investing.

Self-Invested Pension Plans (SIPP's)

• Maximum contribution is 10% of your annual earnings

• HMRC adds up to 40% to your contribution to a SIPP!

• Portfolio grows while the the taxman works for you

Share ISA's

• Maximum allowance of £7,000 per annum

• Regulation changes in 2008 to allow Cash ISAs to be converted into Share ISAs

Child Trust Funds

• Maximum allowance is £1,200 per annum

• These ‘Baby Bonds’ have an 18 year life

• EXAMPLE: £75 monthly (Child Allowance) at 5% pa           18 years = £27,000 - a very good start in life!

Children’s Pensions

• Grandparents: Why not start a pension for your grandchild

• Maximum allowance £2,808 per annum

• EXAMPLE: 5% pa : 18 years = £106000 55 years £1m Contributions are topped up by a further 22% by HMRC

Existing private / Core Satellite Portfolios

• Ideal opportunities for diversification

• Possesses an attractive low risk core element        Flexibility to pursue greater satellite returns