Call us on 020 7315 6500 Request A Call Back Client Login HOW WE CAN HELP WHO WE HELP INVESTMENT MANAGEMENT FINANCIAL PLANNING Non-pension Investing What alternative investments are there to pensions? In light of recent pension allowance changes, higher earners* may find it increasingly challenging to find a tax efficient home for their savings. Individual Savings Accounts (ISAs) remain an attractive investment vehicle and are suitable for many clients, though the tax shelter these provide is limited to £20,000 p.a. per person. It may be that the level of savings you are making can be encompassed by pensions and ISAs, although for many of our clients, something beyond this might be required. This can be done by investing via a General Investment Account (GIA) holding a similar range of investments to those already held in a pension/ISA portfolio, although for those that are happy to take a higher level of risk, we can recommend a number of investments with correspondingly attractive tax benefits. Our expert teams will get to know your objectives and recommend the most suitable financial plan for you, in line with your risk appetite. This could mean using savings schemes that attract tax relief and other tax advantages or certain ‘tax preferred’ arrangements, including: Capital Gains Tax (CGT) Venture Capital Trusts (VCTs) Enterprise Investment Schemes (EISs) Business Property Relief (BPR) Tax deferral using offshore bonds for gross roll-up We will work with you to establish a robust financial plan and recommend suitable options for you, based on the research of our award-winning in-house investment team and technical research team. *High earners are those deemed to earn more than £150,000p.a., where the annual allowance for pension contributions reduces to just £10,000 for those with earnings above £210,000. Key Contact Ian McNally Director Ian began his career in Financial Services in 1986 Read More 020 7315 6513 EMAIL LINKEDIN I have been with Saunderson house for 9 years and have been delighted with their service. They are extremely user friendly and their reports are interesting and intelligible. They think about my portfolio and don’t just wait for me to ask about things, they are pro-active. I get continuity of client service which is important, and I never feel they are trying to sell. Their advice is always objective. Partner - PwC 1 2 RELATED CONTENT Tax-Efficient Investing for High Earners Download here Contact us If you would like further information about our services or would like to arrange a complimentary, obligation-free telephone conversation or meeting to discuss your requirements, please contact us. GET IN TOUCH VIDEO What alternative investments to pensions are there? (02:23) Though an important element of financial planning, pensions can be limiting for higher earners. Oliver Cheng explores the alternative investment vehicles we can recommend for our clients, tailored to respective circumstances. Sign Up If you want to receive regular updates on investment and financial planning topics, sign up here SUBSCRIBE Capital At Risk The value of investments and income from them may go down as well as up and you may not get back the amount invested. Tax legislation and the levels of relief from taxation can change at any time. The information contained within this website is for general guidance only and does not constitute and should not be construed as, investment advice or a recommendation to buy, sell, or otherwise transact in any investments including any products or services or an invitation, offer or solicitation to engage in investment activity. We record all telephone calls and retain copies of electronic communications for legally permitted purposes, including to ensure we meet our service standards and our regulatory obligations. More information on our recording of calls can be found here. Twitter Feed Tweets by @saundersonhouse Contact Us Terms & Conditions Privacy Policy Pillar 3 Disclosures Conflicts of Interest Cookie Consent Sitemap BACK TO THE TOP © 2019 Saunderson House Limited. Saunderson House Limited is a registered company in England & Wales (company number 940473) and is authorised and regulated by the Financial Conduct Authority. VAT Registration No. 514 0358 80. Registered office: 1 Long Lane, London, EC1A 9HF. Part of Rathbone Brothers Plc. Cookie Control Icon