We all want to be able to enjoy a comfortable life, to use our personal wealth to afford the things that are most important to us, or to make sure we’re prepared for whatever life throws at us. This could include paying school or university fees for our children, saving for a house deposit or funding the costs of care as you get older
At Blue Fox Wealth, we can help you find ways to maximise your investment returns. We’ll discuss the most appropriate investment approach to suit your circumstances and your financial goals, and we’ll create a well-diversified investment portfolio that makes your money work harder
We have three tried and tested principles that underpin our approach to investing. We’ll never deviate from them
But our services don’t end there. We will regularly review your investment portfolio to make sure it is still meeting your financial objectives. And, if your circumstances change, we can adapt your investments appropriately, revising your cash flow planning to take care of whatever life throws at you
Get in touch to discuss your investment needsA solicitor in Dorset put us in touch with a client that had been diagnosed with early-onset Alzheimer's. Although the client was physically healthy, their mental capacity had deteriorated rapidly. As a result, the client had been placed in a nursing home and faced paying for care home fees.
Acting as an attorney for the client, the solicitor was worried that their existing deposits and investments were not providing sufficient income. Large amounts of cash were held in low interest savings accounts. Meanwhile, the client’s investment portfolio displayed high levels of volatility and suffered from large swings in value.
Acting on the instruction of the solicitor, we carried out a five-year performance review which compared the performance of the client’s investments against a standard industry benchmark. Our findings showed that over the period, capital invested had underperformed by 7% in the best years and by more than 20% in the worse years. Overall, the client was receiving an annual income of less than 1.2%.
To help the client generate higher levels of income, with a lower level of risk, we reduced cash levels to below £85,000. This meant that the client’s cash savings were covered by the Financial Services Compensation Scheme, and protected in case the product provider went bust. We then set up a low-risk, well-diversified portfolio focused on investments paying high levels of income that would ensure the client was able to fund their long-term care.
Finally, by using tax-efficient investment structures, we helped the client change their tax status from that of a higher rate taxpayer to a basic rate taxpayer. This resulted in the client paying less tax and that they no longer had to complete a self-assessment tax return.
"When our company needed professional advice for our employees' work pension scheme, Blue Fox Wealth were there to help. The knowledge and advice they gave was fantastic and I would certainly recommend them to any business"
Testimonials