Beat the Bank & Inflation
Currently interest rates are at the lowest they have been for decades, close to 0% and as a result, money in the bank is growing incredibly slowly. At the same time, inflation is targeted at around 2% per annum, meaning that every year things get 2% more expensive. In real terms, money in the bank is falling in buying power every year. Investing those funds could instead provide real terms growth, well in excess of inflation.
Below is a table from August 1997 to June 2021, to illustrate the difference. The blue line assumes an interest rate of 0.5% per annum and the red line is the performance of a well-known US Equity fund called the Baillie Gifford American Fund. Over the same period £100 in the bank would have given you £126, whereas £100 in the fund would have given you £1,783.
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Investments generally can incur some taxes. However, there are government backed schemes and smart ways to plan your money movements to mitigate against these and a well-planned portfolio can save thousands of pounds in unnecessary taxes. Not only that but some investments can defer or remove taxes from your income or gains in current or previous years, resulting in further thousands in tax savings.
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Tax
Our award-winning tax team deliver expert advice for private clients and businesses. Whatever your tax challenge – they’re dedicated to keeping you fully HMRC compliant and tax-efficient.
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Choose an accountant that offers more than just accurate numbers. Our in-house accountancy team will not only deliver all of your internal accounting requirements – they’ll help you spot new opportunities too.
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Our independent financial advisors deliver bespoke, unbiased, honest and clear financial advice. From retirement planning to tax-efficient investments – they’ll help you make more of your money and plan for the future.
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Our expert lawyers deliver pragmatic legal advice that’s easy to action. Specialising in corporate, commercial, M&A, non-contentious employment advice and GDPR compliance – whatever your challenge, they’ll help you find opportunity in it.
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Want to grow your business? Our team of business advisors have decades of tried and tested entrepreneurial experience. They’ll work alongside you, removing barriers to growth and solving your challenges.
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Fusion Recruitment’s purpose is to provide ambitious and growth SMEs with access to the Finance, Business and Operations expertise they need at every stage in their business lifecycle.
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Fusion International Tax Club connects independent tax advisors from across the globe. If you want to benefit from an exclusive boutique network of international tax expertise and opportunity at your fingertips, join us.
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