Deposit Based Investments Gwynedd | Morgans Financial

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.

Asset-backed Investments

There are many different asset-backed investments open to the individual investor. Each type has own specific risks, benefits and taxation treatment.

Investment Overview

This at-a-glance guide is intended to give you a quick snapshot of a range of different investment vehicles available.

Platforms

A platform brings together your investments and pensions online, allowing you to view them in one place – a bit like online banking.

Individual Savings Accounts (ISAs)

Under the so-called ‘New ISA’ (or NISA), Cash ISAs and Stocks and Shares ISAs have effectively been merged.

In the 2018-19 tax year, the personal allowance was £11,850, but this has risen to £12,500 in the 2019-20 tax year. This means you can earn £650 more in the 2019-20 tax year than in the previous tax year before you start paying income tax.

Deposit Based Investment

There are various deposit-based investment vehicles available. Many customers will have money on deposit either with a bank or building society.

The value of investments and any income from them can fall as well as rise. You may not get back the amount originally invested.

Why Choose Us?

  • Morgan’s Financial Services are a trusted company that have been trading for 36 years with its practise principal Dave Morgan at the helm.
  • We are a local firm. By being local we believe that this gives you peace of mind that you can call in at any point if you have any queries and discuss it face to face rather than having to deal with a call centre.
  • Morgan’s Financial Services is regulated by Openwork. Openwork is one of the largest and longest-established financial advice networks in the UK and ensures that all of our recommendations are the best possible choice for you.

Frequently Asked Questions

A meeting with one of our fully qualified financial advisors will quickly provide you with a better idea of your affordability.
Our fee is £350.00 upon application of a mortgage following your free initial consultation where we will establish your affordability and find the right mortgage to fit you.
Mortgage applications vary case by case, but at Morgan’s Financial Services we will do everything in our power to ensure it is a smooth and swift process.
Ensuring you have adequate protection for your mortgage if the worst was to happen not only gives you peace of mind but also protects those that you would leave behind.
Following a meeting with our financial advisors we will be able to correctly inform you about whether you are eligible for equity release and refer you to the right people that will be able to guide you through the process.

Need more help? Speak to us on 01248 800400

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*Will writing is not part of the Openwork offering and is offered in our own right. Openwork Limited accept no responsibility for this aspect of our business.