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Lump sum Investments

For those who want to invest a lump sum the list of options is extensive. As always, it is important to choose the right arrangement for you depending on the timescale of the investment, your reasons for investing and your investment tastes. The following gives a brief outline of some of the more popular investment arrangements used.

ISAs are available in two types:

Those offered by Banks, Building Societies or the Post Office (Cash ISAs) receive interest based on interest rates – but the interest paid is tax free.

Those available through Investment Companies (Stocks & Shares ISAs) invest in a wide range of areas including UK Shares, Overseas Shares, Property and Government Gilts. Any monies withdrawn will be paid out tax free. *

  • Unit Trusts / OEICs invest in a similar way to Stocks & Shares ISAs but offer a wider range of areas in which to invest – including Cash. Any growth on the capital may be set against the investors Capital Gains Tax allowance – but any income will be assessable to income tax.
  • Investment Bonds are offered by Insurance Companies and are easy to understand arrangements that can provide valuable, tax-effective “income” as we as access to lump sums. They offer a wide range of areas in which to invest, but can also assist with Inheritance Tax Planning (see the Inheritance Tax Planning page).
  • Investment Portfolios are typically for larger lump sums. A portfolio can be arranged that offers an investment strategy managed by a dedicated Fund Manager who will build a portfolio tailored to your specific requirements.

* There are limits on the amount of money that can be saved into ISAs.

Complete Mortgages Ltd is not authorised to give investment advice. The information contained in the page has been provided by Ashcourt Rowan Group. Please fill out our online enquiry form and we will arrange for them to call you.

Lump Sum Enquiry

Lump sum Investments Enquiry

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IMPORTANT - Please download and print our Initial Disclosure Document (IDD). Complete Mortgages, Complete Money, Complete Cover and Complete Investments are trading names of Complete Mortgages Limited. Registered in England & Wales 05537384. Registered Office Wey Court West, Union Road, Farnham, Surrey GU9 7PT. Complete Mortgages Ltd is an Appointed Representative of Mortgage Next Network Ltd, which is authorised and regulated by the Financial Services Authority for mortgage and insurance mediation activities only. Mortgage Next Network Ltd is entered on the FSA register (http://www.fsa.gov.uk) under reference 300866. The guidance and/or advice contained within this website is subject to the UK regulatory regime and is therefore primarily targeted at consumers based in the UK.

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