Two services, one objective...
Our personal portfolio services have been designed to help clients realise their long term financial goals – whether capital preservation, present day income or inflation-beating growth.
Primarily, they’re designed as an integral part of a comprehensive financial planning service, where your financial adviser acts as the link with our team of experienced investment managers. Together, we’ll do our best to make sure that your investments always reflect your personal investment objectives, your tolerance for risk and your wider beliefs and concerns.
Perhaps unusually, you’ll find that we actively embrace the idea that objectives can and often do vary tremendously from one client to another. That’s why you’ll be able to choose from a wide range of investment approaches.
We’ve even developed our own BEST investment selection methodology, to identify investments not only based on traditional financial criteria, but also on a range of other critical success factors. To us, issues like environmental and social impact, good standards of corporate governance and overall transparency are not just ‘nice to have’; they’re key to generating sound returns, linked to a proper appreciation of risk, defined in its widest sense.
First, your financial adviser will help you to select which of our personal portfolio services is likely to suit your needs best – either our standard Portfolio Service or our Premium Portfolio Service.
Choosing the right service will depend, in part, on how you’d like to interact in future with your financial adviser and with us too. Then, working closely with you, your financial adviser will agree an investment strategy suitable for you, taking account of any other assets you’ve agreed they should be advising you on separately.
To help you to decide if either service is right for you, take a look at our personal portfolio services brochure.
AIM Premium Portfolio Service
The AIM Premium Portfolio Service (APPS) has been designed by Castlefield to enable you to pass on your wealth in a tax-efficient way.
Broadly speaking, Inheritance Tax (IHT) is currently charged on death, at a rate of 40% of the value of taxable assets in excess of an individual’s or couple’s IHT allowance. The APPS will establish and actively manage a diversified portfolio of Business Property Relief (BPR) qualifying shares traded on the London Stock Exchange’s Alternative Investment Market (AIM). So, for every £1 of your investments that would currently suffer 40p tax on death, no such tax should be payable after being invested in the APPS for just 2 years.
Our AIM Personal Portfolio Service and Ethical AIM Personal Portfolio Service brochures can help you to decide if either service is right for you.