Investments


Helping you to achieve your lifetime goals

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

A range of investment options and strategies

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

Comprehensive investment planning

We are authorised to offer independent financial advice on a range of different types of investments and investment wrappers, including:

  • Ethical and Sustainable Investing: Investments that make sure your money stays aligned with your personal beliefs
  • Tax-Efficient Investments: Including Individual Savings Accounts (ISAs), Junior ISAs, Venture Capital Trusts (VCTs), the Enterprise Investment Scheme (EIS) and portfolios of AIM-listed companies
  • Discretionary Fund Managed Portfolios: Where portfolios are built and managed on your behalf by dedicated fund managers
  • Model Portfolio Services: A cost-effective way of owning a ready-made portfolio of diversified investments, based on your attitude towards risk and return
  • National Savings and Investments: Lower-risk products which are backed by HM Treasury
  • Onshore and offshore investment bonds: Investments that also offer life insurance cover as well as a tax-efficient rate of return

A straightforward investment approach

We have three tried and tested principles that underpin our approach to investing. We’ll never deviate from them

  • Diversification: We invest money across a range of different funds and asset classes. We believe this is a great, proven way to reduce investment risk
  • Discipline: We believe in taking a patient approach to investing. We ignore short-term distractions in order to find investments with long-term value. And we never lose sight of your long-term goals
  • Value for money: A pound saved is a pound earned. We believe it’s just as important to be tax-efficient as it is to invest wisely. So, we’ll always make sure your money is working as hard as possible

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 needs


Investment case study: helping a vulnerable client secure a better income from their investments

A 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"

P Andrews, Monk Woodworking

Testimonials