Cash held in a bank account can lose value against inflation. This guide explains how founders can invest money they do not need, using tax-efficient accounts such as ISAs, and what to weigh up before investing.
Founders' income often varies from year to year. Investing surplus money through tax-efficient accounts in good years builds savings for later, and a regulated adviser can help you plan it.
This page explains what this area involves, so you know which questions to ask an adviser.
Regulated advice can only come from an FCA-authorised firm. You can search the FCA register, or ask us for an introduction to Equity & General, the firm we have an introducer agreement with.
An introduction is free, and you do not have to take one. If you go on to take advice, the adviser explains any fees before any work starts.
Many investment accounts accept small regular amounts. The usual first step is a cash reserve, followed by tax-efficient accounts such as an ISA. A regulated adviser can advise on what suits your situation.
All investing carries risk. The value can fall as well as rise, and you may get back less than you put in. A regulated adviser can match investments to how much risk you are comfortable with.
Growth and withdrawals from an ISA are tax-free, and you can invest up to £20,000 a year across ISAs. A regulated adviser can advise on using these and other allowances effectively.
Buzz Financial Services is a trading style of Equity & General Financial Services Limited, authorised and regulated by the Financial Conduct Authority (FCA 474163).
Asks twenty-five questions across retirement, protection, savings, mortgage, estate and day-to-day money, then writes a report on where the gaps are.
Open the calculatorSorts twenty statements about money into four patterns and writes a report on the one that fits your answers.
Open the calculatorGeneral information only. This page explains a topic in general terms. It is not advice, a personal recommendation or a financial promotion, and it does not invite or encourage you to buy any product or service. Everyone's circumstances are different.
Regulated financial advice can only be given by a firm authorised by the Financial Conduct Authority. You can find one on the FCA register (register.fca.org.uk). Buzz Accounting is not authorised to give regulated financial advice. We have an introducer agreement with Equity & General (E&G), authorised and regulated by the FCA (No. 474163). If you would like an introduction, we can make one.
The value of investments and any income from them can fall as well as rise, and you may get back less than you invested. Your home may be repossessed if you do not keep up repayments on a mortgage. Tax treatment depends on your individual circumstances and may change. Will-writing, trusts and some estate-planning services are not regulated by the Financial Conduct Authority.
