Escom Ltd Logo

Tel: 01743 243555

Email: info@escomifa.com

Investments

Are you making the best use of any spare capital or surplus income
Click Here

Protection

How much cash would your family need to maintain their current lifestyle if you die prematurely
Click Here

Pensions

When do you want to retire and how much income will you need?
Click Here

Mortgages

Do you want to reduce your current mortgage outlay or are you moving home?
Click Here

Investments

Investing money needs careful consideration and you need to be absolutely sure of the risks involved. This section provides generic information on different types of saving & investment. You should seek advice appropriate to your specific circumstances prior to making any decisions.

The value of investments and the income they produce can fall as well as rise. You may get back less than you invested.

Tax treatment varies according to individual circumstances and is subject to change.

Investors do not pay any personal tax on income or gains, but ISAs do pay tax on income from stocks and shares within the funds.


Here we attempt to explain in simple terms all the different asset backed investments open to the individual investor, from contribution levels right through to taxation treatment of each investment.
Under the so-called 'New ISA' (or NISA), Cash ISAs and Stocks and Shares ISAs have effectively been merged, with the overall combined limit in 2018/19 at £20,000.
In this document we look at all the various deposit based investment vehicles available in the marketplace today and what they mean to the individual investor.
This document looks at the different investment vehicles available to the individual investor together with the key points to note. This is an at-a-glance guide with more detailed information being contained in the other documents on this page. The value of investments and income from them may go down. You may not get back the original amount invested and the levels, basis and reliefs of taxation are subject to change.

Personal Finance

Britain's markets and pensions regulators on Thursday launched a joint strategy aimed at improving pensions outcomes for savers, amid concern that many people are entering retirement without enough income.
British inflation fell more than expected in September to a three-month low, offering some relief to consumers who have been squeezed financially since the Brexit vote.
British pay growth is struggling to exceed 3 percent and policymakers should not over-react to a recent improvement, Bank of England Deputy Governor Jon Cunliffe said on Wednesday, striking a more cautious tone than some of fellow policymakers.
The basic wages of workers in Britain rose at their fastest pace in nearly a decade over the summer months, backing up the Bank of England's view that a long period of weak pay increases is ending.
British taxes would need to rise to their highest since just after World War Two to sustainably meet Prime Minister Theresa May's goal of ending the austerity squeeze on public services, a think tank said ahead of her government's annual budget.