Kellands (Bristol) Limited
Financial Management Consultants
Quays Office Park
Conference Avenue
Portishead Bristol BS20 7LZ

Tel: 0117 900 4000

E-mail: bristol@kelland.co.uk

Investing for income

Investing for income is not easy in the current financial climate, with savings rates at historically low levels.

There are many ways you can invest for income. There is obviously cash, such as cash Isas, building society accounts and National Savings & Investments (NS&I). Then there’s fixed interest investments, such as government bonds, corporate bonds and corporate bond funds.

However, there are alternatives. Equities, or equity income funds, with high levels of dividend income are a good option for many. The benefit of equities is that they can also provide growth over time, so your savings can keep ahead of inflation. Commercial property funds can also provide good diversification from equities and bonds and have the potential to produce a good level of income compared with cash.

Income and capital growth are not necessarily mutually exclusive. Getting the right balance of income and capital growth will depend on whether you need immediate access to your money or whether you would rather have some income now whilst growing your investments over a period of time.

There is a vast range of income-producing assets to choose from. Selecting the right options for you will depend on your investment objectives, your timescale, your tax position plus your attitude to risk. To help you through this process, talk to Kellands Bristol now.

Our expert financial advisers can help analyse your current circumstances, needs and future goals. The starting point is a review of your existing investments, ensuring that your investment portfolio is appropriate for your financial needs and objectives. For example, growth may have been a priority when your investments were taken out rather than your current need for income.

Having evaluated your needs, we can then access the whole of the market for the most appropriate investment solutions for you.

So if investing for income is a priority for you, contact Kellands Bristol today, so we can help you start plan your future income stream.

Please be aware that the value of investments linked to the stockmarket, and the income from them, may rise or fall depending on market conditions and that you may not always recoup your initial investment. In addition past performance should not be seen as an indication of future performance.