Adviser guide - IFISA

18 CASE STUDIES A word from our sponsor Claim your CPD This guide is accredited for structured CPD by the CISI, PFS and CII and readers of the guide can claim up to one hour of CPD for reading the guide. In order to claim structured CPD, readers will need to complete a short online test. Go to intelligent-partnership.com/cpd for more details on claiming CPD. Provide Feedback Intelligent Partnership actively welcomes feedback, thoughts and comments to help shape the development of this guide. This guide is produced on a regular basis. Feedback can be given on the website or via email: • Intelligent-partnership.com/feedback • Guides@intelligent-partnership.com Steps after reading Participation and feedback are gratefully received Mr B is in his 50s and has a significant portfolio of stocks and shares held within ISA wrappers and his SIPP. Ms C is saving to help buy a house for her daughter when she finishes university. Mr B sells some of his shares realising gains (but avoiding CGT as they are in the ISA wrapper) and transfers the cash into an IFISA to start a new sub-portfolio of asset-backed loans and investments that are not correlated to the stock market. She diligently uses her full allowance every year to save into a cash ISA, now she has built up some funds and she feels ready to take on more risk, especially when she considers the very low rate of interest she has been receiving. She still feels nervous about investing in shares as she will need the money in few years time and she doesn’t want to be caught out by a downturn in the market. She invests her allowance in a small portfolio of debt-based-securities with terms ranging from 3-5 years and paying 6-8% annually. Her intention is to add to this by opening a new IFISA every year. Diversifying away from stock markets Looking for better returns 2 3 STOCKS & SHARES He agrees with his adviser that it might be wise to take some profits and diversify while markets are doing well. Investors can then make a deposit of up to £20,000 or transfer an unlimited amount of existing ISA money. A Downing IFISA can be opened online in two minutes. OPEN Find out more at: www.downingcrowd.co.uk/IFA/IFISA crowdfunding@downing.co.uk 020 3828 0975 Capital and returns are at risk. Terms and Conditions apply. Downing’s monitoring fee is contingent on Investors being paid their interest and capital back. Our crowd bonds offer fixed rate returns of 4-7% p.a., typically secured against real assets such as freehold property and solar farms. There are no fees to open an IFISA, but equally investors only start to earn interest once they make investments. % Bonds go through our internal due diligence process and an investment committee with external advisers and are submitted for an independent analysis by in:review.