Corporate and personal investments

Like many people in business, you may build a portfolio of personal investments over a number of years – perhaps including bonds, ISAs, property and equities.

Make use of our discretionary asset management service and we’ll help you make your assets work in your favour. In fact, we can assist you to plan all your important stages in life, including the children’s further education and preparing to sell your business before retirement.

With our service, we first combine all your assets to create a snapshot of everything you own. Then one of our Independent Financial Planning Managers will help you set out clear objectives for the future – so that you can be sure your portfolio of investments matches your aims as well as your approach to risk.

This tailored investment management and reporting service has normally been offered just to institutions, but now you can benefit.

A greater proportion of people are now subject to inheritance tax than was previously the case. We therefore believe that inheritance tax planning is a vital aspect of any personal financial strategy.

As things stand, should your estate be worth more than the current threshold for inheritance tax – £325,000 in tax year 2009/10 – 40% tax would be payable on any amount over this level.
Your beneficiaries would have to wait for this bill to be settled before receiving assets. This is based on current legislation and is subject to change.

To navigate you through the thorny issue of inheritance tax, your NatWest relationship manager can introduce you to NatWest Independent Financial Services.
Solutions are available that will help you maximise the inheritance received by your dependants.

To provide a bridge between your corporate and personal finances, let us introduce you to NatWest Independent Financial Services. Expert assistance is on hand to help you get the best from both elements – and reach your objectives.

By planning in the right way, your business assets can be organised so that they deliver the potential growth and tax efficiency that meet your personal needs today and tomorrow.

This integrated financial planning starts by first identifying if your business assets are providing optimum personal returns. For example, simply by boosting your income through salary or dividends or increasing your pension contributions, you could cut tax liabilities.

.It’s all about achieving the right balance between the various methods of receiving income.

Like a great number of businesses, you may keep funds on deposit in a current account – so you can meet short-term cash requirements, finance longer-term expansion plans, or perhaps just because you haven’t decided where best to hold your money.

This tactic may give you a sense of security, but it often brings you low level returns, especially after you have paid tax.

On the other hand, if you choose to invest some of your cash reserves, you can find you receive a sizeable tax bill – and the tax status of your business could even be affected.

Experts from NatWest Independent Financial Services can help you balance these options in the right way.

Unfortunately, illness and accidents can occur at any point in your life.

Clearly, it’s extremely important to protect your family from the financial distress that could result – all the more so when you are operating a business hands-on.

Call on the expertise of our Independent Financial Planning Managers to help ensure you have sufficient protection in place. After identifying your personal financial commitments, they will strive to locate the right cover for each partner – whether it’s income protection or a critical illness policy.

The objective is to find the most appropriate cover for each person involved, at the best price.