Blog
27th November 2018

How Many Investments Can I Have?

Although it sounds terribly mundane, how many investments you have depends on your circumstances. What suits you is contingent on the amount of money you have, how much time you have and what opportunities you wish to involve yourself with. Therefore, whilst one investment might be ample for one individual, 50 might be best for another.

ISAs

For the 2018/2019 tax year the amount an investor can place into ISAs is £20,000. Individuals are welcome to split their ISA allowance across a range of different ISAs. Alternatively, the full £20,000 can be invested into one, depending on the rules applied to the specific product. For example, you can only place a maximum of £4,000 into a Lifetime ISA per year. This leaves a further £16,000 that can be invested in other available ISAs.

All ISA investments for 2018/2019 must be completed by 5th April 2019 and it is worth remembering that none of the £20,000 allowance can be rolled over if it is unused.

Technically speaking, investors could have four active ISAs at one time; a cash ISA, an IFISA, a Lifetime ISA and a Stocks and Shares ISA. However, utilising the expertise of a financial adviser would be a wise way of deciding the best invest opportunities for yourself.

Asset allocation

Unlike with ISAs, there is little to dictate where investors can place their money in the wider investment world. Asset allocation is an important topic and it is up to each individual investor to decide what the best opportunities are to them.

Investors can decide between a plethora of investment opportunities, ranging from shares and bonds to wines and antiques. Then there is the question of where geographically to invest; the UK? Japan? Emerging markets? Europe? It is clear to understand how the number of funds investors should have can range so dramatically when there is so much to consider.

The perfect portfolio

It’s common for investors to wonder how many investments they need to create the perfect portfolio. Whilst it is clear that the number of investments will vary from person to person dependent upon a number of factors, it’s important that investors take into consideration that it isn’t the number of investments that’s important. If you are in any doubt about the investment you are making, we would strongly recommend that you consult an independent financial advisor prior to investing.

Bear in mind

Wellesley Property Bond

  • The Wellesley Property Bond has a fixed rate and duration.
  • The Wellesley Property Bond is an ISA eligible investment, allowing you to earn tax free interest on your investment. Please note, tax allowances and the tax efficient benefit of ISAs could change in the future.

Your capital is at risk and interest payments are not guaranteed. Investment in any Wellesley Property Bonds are not covered by the Financial Services Compensation Scheme (FSCS). In the event of a loan default or if Wellesley Secured Finance Plc becomes insolvent, you may lose some or all of your investment, including interest payments due. If you are in any doubt about making an investment or do not fully understand the risks, you are strongly recommended to consult an independent professional financial adviser before you subscribe.

Wellesley is the singular name for the following collective of companies, Wellesley Group Limited (09811856), Wellesley & Co Limited (07981279) and Wellesley Finance Plc (08331511). Wellesley Secured Finance Plc was established as a special purpose vehicle for the sole purpose of issuing asset backed securities and is not part of Wellesley Group.

The information contained in this website has been approved as a financial promotion for UK publication by Wellesley & Co Limited (FRN 631197) who is authorised and regulated by the Financial Conduct Authority (FCA). Wellesley Property Bonds are issued by Wellesley Secured Finance Plc (the Issuer) and is not authorised or regulated by the FCA.

Wellesley & Co Limited and Wellesley Finance Plc are registered in England and Wales and their registered office and trading address is at St Albans House, 57/59 Haymarket, London SW1Y 4QX. The registered address for Wellesley Secured Finance Plc is at 1 Bartholomew Lane, London, EC2N 2AX.

 

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