At Smith Eliot, we understand that every investor has unique goals. Whether you're looking for help growing your wealth, generating income or striking a balance between the two, our experienced team is here to guide you. We offer tailored investment advice backed by exceptional service, helping you make informed decisions at every stage of your financial journey.

Whether you're just starting out or have years of experience, we’ll work closely with you to understand your objectives and build a strategy that aligns with your short, medium, and long term goals.

We offer a broad range of investment options designed to suit your individual needs and risk profile:

Growth & Income Portfolios

• These portfolios are carefully constructed to help deliver either capital growth, income, or a combination of both. Each is tailored to your risk tolerance and investment horizon, helping you achieve your financial goals while managing market volatility.

Investing for Income

• Ideal for those seeking a regular income stream, this option includes a selection of fixed interest and equity-based funds. We’ll help you choose investments that match your financial circumstances, income needs, and attitude to risk.

Onshore & Offshore Investment Bonds

• Investment bonds offer a flexible way to grow your wealth over the long term. They allow you to switch between funds, diversify your portfolio. Onshore and offshore options can also support estate planning and enable tax-efficient withdrawals, depending on your personal circumstances.

Individual Savings Accounts (ISAs)

• ISAs offer a tax-efficient way to invest, with the potential for long-term capital growth and income. They are a popular choice to help build wealth while shielding returns from income and capital gains tax.

Junior ISAs

• Designed to help you save for your child’s future, Junior ISAs provide a tax-efficient way to help build capital over the long term. Funds are locked in until the child turns 18, making them ideal for education or first-home savings.

Unit Trusts

• These medium- to long-term investments offer the potential for capital growth and/or income. Unit trusts also allow investors to take advantage of the annual capital gains tax exemption, making them a flexible and tax-efficient option.

The value of an investment with St. James's Place or Rowan Dartington will be directly linked to the performance of the funds selected and may fall as well as rise. You may get back less than the amount invested.

The levels and bases of taxation and reliefs from taxation can change at any time and are generally dependent on individual circumstances.