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Investments

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

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

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

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

British inflation unexpectedly held steady last month, denting market confidence about a Bank of England interest rate hike next month and sending sterling to a 10-month low against the dollar.
Investment consultants who advise UK pension schemes face tougher rules under proposals outlined by Britain's anti-monopolies regulator on Wednesday.
The Bank of England will nudge up borrowing costs next month, according to economists polled by Reuters this week who have grown a bit more confident Britain will strike a free trade deal with the European Union.
Bank of England Governor Mark Carney said on Tuesday that a no-deal Brexit would have "big" economic consequences, prompt a review of interest rates and leave many bankers idle.
British workers' wages have risen at the slowest rate in six months despite a record number of people in jobs, challenging the Bank of England as it considers raising interest rates next month for only the second time since the financial crisis.