If you have used your full ISA allowance each year you might find you have accumulated a significant sum of money, you may also have ISAs or other investments that may have lost their appeal or are not managed under a coherent investment strategy. Holding a diverse range of investments across your ISA portfolio might also involve unnecessary time and cost which we can help you avoid. By pulling all your holdings together into a CAM ISA account, your investment manager can manage those funds under a single strategy and ensure you are making the best use of your annual ISA allowance. We will also look at your ISA in the context of your overall investment approach to make sure it is being managed to meet your individual circumstances and requirements.
The CAM Junior ISA offers a simple, tax-free way to save for your child’s or grandchild’s future, provided that you have parental responsibility for an eligible child. Our Junior ISA is available to clients that already have a main portfolio with us. In order to meet the criteria for this service, children must be under 18 years of age, resident in the UK and must not hold a Child Trust Fund.
Many of our clients find that their largest single asset is their pension. If you have pension assets, whether they are in a self-invested personal pension (SIPP), a small self-administered scheme (SSAS) or a small company scheme, our investment managers can help. We offer an individual and flexible investment service that means we can look after your pension assets as your needs change, such as growing your portfolio, preserving your wealth as you near retirement age and providing income in retirement. Our investment managers are highly experienced in managing pension investments. If you would like to discuss your pension investment options, please contact us.
Trusts have been used for hundreds of years to control what happens to money. Families grow, children marry, relationships change and it’s impossible to predict what might happen in the future. With a trust, you can make sure none of these events, or others like them, affects your plans. Trusts can transfer money tax efficiently, smooth inheritance within the family and be used for philanthropy too. Our team would be delighted to speak with you in regard to these matters.
We build our service around your charity’s priorities. Our approach means you do not have to compromise on what you want from your investment manager and the diversity of the charities we work with shows our ability to meet individual requirements. Your investment manager takes the time to understand your charity, the long-term strategy you want your portfolio to support and how you want us to work with your trustees and management team. We create an individual strategy to match your charity’s income and growth targets, attitude to risk and investment policy.
CAM is an independently owned company, so we can look across the whole of the market to find the best options for your charity’s goals. Not all firms give their managers such flexibility: we do and it is an important advantage. It means your investment manager has more opportunity to apply their expertise. Our investment managers are supported by our central investment process and guidance from our in-house investment committee.
Many of the charities we work with have long histories. We feel a responsibility to make sure you can continue to support those who depend on you. To help your charity have a successful future, we aim to achieve consistent returns for you over the long term. Our patient, risk-based approach is designed to protect and grow capital. We work hard to meet growth and income expectations year after year without increasing risk by chasing returns and this prudent way of managing money gives confidence to those we work with. They feel secure about making long-term plans and setting long-range targets for us to achieve.
We are much more than an investment provider. We want to do everything we can to support the work that you do. Helping your trustees and management team to fulfil their obligations and maintain an awareness of best practice is an important part of our relationship with you.
We have built a very successful relationship with a dedicated firm of advisers who specialise in not only assisting with Tier 1 applications but ensuring ongoing compliance with its many rules. For further information in this regard please contact us using the contact page.