Investing for the Future
Grow your assets with a proven long-term investment strategy tailored to your specific goals
Investing for the Future
We believe that everyone should invest for the future. We also know that the world of investments can seem complicated and overwhelming at times with so many different ways to invest and so many different funds to choose from. We can help you cut through this complexity, simplify your investments and make sure they always work hard for you.
We start by looking at your financial position and really understanding what you want to achieve. We look at short, medium and long-term investments as well as savings and always consider the most tax-efficient way for you to invest your money.
We help you understand the basics of successful investing and answer any questions you have about your current investments or more broadly. We see this education as an essential part of our process. It doesn’t stop at our initial discussions – we are committed to helping you better understand your finances so you can make the best decisions possible at all times.
The next step is to assess your attitude to investment risk. Should you invest cautiously and limit your risk or should you go for high levels of growth? We conduct a detailed assessment before we recommend the best portfolio for your money – ensuring you never take on more risk than you should. Our in-house investment management team have designed a number of portfolios that cater for all requirements and really deliver results.
We can also assess any existing savings and investment policies you have and see if we can get them working harder for you or simplify them into a single contract that is far easier to manage. If there’s any paperwork or administration to do to get your policies setup or re-configured, we’ll take care of it all.
We don’t stop there. We continually monitor your investments, reporting their performance to you regularly and give you access to the client portal where you can check their value (and your complete financial position) any time you like.
When it comes to your investments, we’re here every step of the way with you. Quality advice with quality investment management designed to get your investments working as hard as you do.
Some of the Questions We Can Help Address
We can help answer any questions you may have in relation to investing for the future. Questions such as:
How much should I be investing?
What kind of investment portfolio should I have?
How have my investments been performing?
What should I do if I want to invest for a specific life event?
How much should I have in easily-accessible savings?
How should I invest for my (grand)children?
How can I invest in the most tax-efficient way?
How much risk should I take with my investments?
Can I simplify and consolidate my investments?
How much will my investments be worth when I need to spend them?
Should I invest in an ISA, pension or something else?
Which of my investments should I use to fund my spending?
Top up your investments any time you like
We think investing money is great and like to make it as simple as possible. Using our award-winning technology known as ImpuleSave®, we allow you to add money to your existing investments at the touch of a button – whenever and wherever you are – with as little as £1.
Did you know… there is a massive difference between the very best and very worst investment funds
When it comes to investing, there are a huge choice of funds in which you can invest. Some funds provide investors with excellent returns, while many others are ‘dogs’ – really poor funds that consistently perform poorly. For example, if you had invested £100,000 in the best performing investment fund 5 years ago, it would now have more than tripled in value to £366,000. However, if you were unlucky enough to have invested in the worst performing fund, you would be left with just £23,900 today.
Do you have the time to really make your investments work hard?
The investment experts at NorthStar can help you invest with confidence and with minimal effort. We monitor and rebalance your portfolio regularly to ensure it is always in the best position and on track to achieve your goals. Are you doing the same?
Investment & Savings Products
Individual Savings Accounts (ISAs) are tax advantaged investment accounts. ISAs can invested in a wide range of different things including investment funds, shares, bonds or cash. There is no tax to pay in a ISA and no tax to pay when money is taken out.
Junior Individual Savings Accounts (JISAs) are similar to regular ISAs but are specifically for those under 18. As with ISAs, a Junior ISA can invested in a wide range of different things including investment funds, shares, bonds or cash. There is no tax to pay in a Junior ISA. Parents or other family members can pay into a Junior ISA for a child who is then entitled to the money on their 18th birthday. Alternatively, they can keep their funds invested to spend throughout their life.
Lifetime ISAs are available to those under 40 and can be a great way to save and invest. Up to £4,000 a year can be contributed with the government putting in upto an additional £1,000 a year as long as the funds are used to purchase your first home or to fund your retirement (after age 60). Lifetime ISAs can be a great way to save tax-efficiently while retaining access to your money should you need it earlier.
General Investment Account
Offshore Investment Bond
An Offshore Investment Bond is similar to a regular Offshore Investment Bond but the product will be based outside of the UK (often in Ireland, Luxembourg, the Channel Islands or the Isle of Man). The main difference with an Offshore Investment Bond is that much of the tax payable on gains made within the bond is deferred until it is taken. This can be advantageous when an investor’s tax position is likely to change during the term of the policy.
Venture Capital Trust & Enterprise Investment Scheme
A Venture Capital Trust (VCT) and Enterprise Investment Scheme (EIS) are ways of investing in a basket of very small companies which are looking for further investment to help develop their business. This is a vital area of the economy, and without funding from venture capitalists many companies we consider household names would never have been able to grow their businesses. To encourage investment in this area, the government offers generous tax benefits to investors, including significant tax relief when investing. VCTs & EISs can provide very strong returns to investors but are often very high risk and are therefore aimed at wealthier, more sophisticated investors who can afford to take a long-term view.
National Savings & Investments (NS&I)
Review and rebalance
We expertly craft our investment portfolios to ensure they are perfectly balanced and optimised to achieve your goals. Over time, the investments held in any portfolio may grow at different rates, meaning the composition can ‘drift’. This can result in a portfolio becoming misaligned and unbalanced. We ensure all NorthStar portfolios are reviewed and rebalanced every 6 months* so you can be sure your investments remain perfectly aligned to your goals.
“ Money can’t buy happiness, but it will certainly get you a better class of memories.”
The Key Benefits
Our investment management services will help you get the most from your investments and allow you to achieve your goals. Here are just a few of the main benefits you will enjoy:
Know how much you should be investing
Simplify your investments
Get expert investment management advice
Hit your investment goals
Reduce or eliminate paperwork
Have a great investment portfolio
Monitor your investments 24/7
Limit your investment risk
Receive regular investment reviews
Learn More About Investing for the Future
Learn about the unique NorthStar investment philosophy.
Find out more about the complete range of NorthStar investment portfolios.
Discover which NorthStar investment portfolio may be right for you without our Personal Portfolio Builder.
Find out our investment services charges.
If you have further questions about our investment services, please see our FAQ.
Ready to go? Get started today.
“James from NorthStar has been very helpful in providing me with financial planning advice in a friendly & professional manner. I have acted upon his advice & am very happy with the products he recommended. He certainly knows his stuff.”
Keith Egginton| NorthStar Client
We use award-winning software so you can see your complete financial position at any time, on any device. This puts you in total control and able to make better financial decisions.