Research shows that long-term success is most likely when you remain committed to your plan and invest in solutions that are simple, transparent and liquid.
Our approach is built around diversified, long-term, and cost-effective solutions. By blending a disciplined process with creative thinking, we aim to give our clients a smooth experience with robust results.
Chief Investment Officer
We recognise that minimising client’s investment and advice costs can have significant benefits when compounded over the long-term
Want a professional opinion on your investments? How well is your portfolio constructed compared to the market? Get a free comprehensive portfolio check from a financial adviser to analyse your holdings, uncover optimisation opportunities, and discover where you could save on fees.
Preserving wealth
Is inflation eating into your savings?Do you have money sitting in cash from a tax-free pension lump sum or an inheritance? Or perhaps you have cash ISAs? Most cash accounts are losing real value over time.
Bank accounts pay very little interest these days. It is often negative, once tax and inflation are taken into account. If inflation returns to the long-term average, it could shrink the real value of your savings by nearly 30% over the next 20 years.
If you’re investing for the long term, a diversified portfolio of stocks, bonds, and other assets offers better returns that can grow consistently faster than inflation.
Beat inflation with the right investments. Speak to a Lumin expert about growing your wealth in real terms.
Portfolio check
Am I holding the right investments?How does your portfolio performance compare to the market and other opportunities?
How are (hidden) fees impacting your returns?
Are your investments well diversified to spread the risk and smooth out the ups and downs?
Does your investment strategy align with your latest goals?
Have you selected suitable funds and securities?
An independent portfolio health check by Lumin can answer these questions and ensure financial flexibility, wealth preservation, and optimised investment returns.
ISA, pension, or both?
What’s the right balance for you?A pension has the most generous tax treatment for most people. This includes:
In addition, your pension can normally be passed on free from inheritance tax.
With an ISA your investments grow tax-free, and can be withdrawn completely tax-free too. Unlike a pension, you can access your money whenever you need it so that may be an important consideration alongside the tax benefits.
The right balance of pensions and ISAs will depend on your personal circumstances. Speak to a Lumin expert to discuss the right solution for you.
Saving taxes
Pay less tax by harvesting your capital gainsHave your portfolio holdings risen in value?
Are you monitoring your capital gains each tax year?
Many people defer capital gains, but could be much better off if they actively manage their portfolios, and use their capital gains tax (CGT) exemption every year.
The CGT tax-free allowance (£6,000 per person for the 2023/24 tax year) must be used each year or it is lost forever.
The annual allowance will be reduced to £3,000 for the 2024/25 tax year, but couples can still realise substantial tax-free gains over time by making use of their annual exemptions.
Once you let capital gains run away, you can’t catch up. It is important to take advantage of your allowances every year. To start reducing your tax liabilities speak with a Lumin expert.
Every year, so many ETFs are released that it becomes increasingly complex for investors to select the right ones. A new Lumin study provides clarity on the ETF market.
These portfolios are built entirely with passive products to deliver diversified, low-cost exposure, while benefitting from active asset allocation oversight by our in-house investment team.
A diversified range of multi-asset portfolios that blend ‘best-in-class’ active funds with carefully selected passive products, all spanning a range of risk profiles to suit your needs.
Designed to offer a consistent and attractive level of income, along with capital appreciation that outpaces inflation. Using the same asset allocation framework as the core portfolios.
Integrating environmental, social and governance (ESG) criteria to reduce exposure to controversial business activities by applying a comprehensive screening overlay across all asset classes.
Our specialists can support you with more sophisticated tax-efficient investments, including Business Property Relief (BPR), Venture Capital Trusts (VCTs) and the Enterprise Investment Scheme (EIS), where these are suitable for your circumstances.
Managing money across traditional savings accounts can be time consuming and inefficient. Our range of money market and direct bond portfolios can help when balancing cashflow needs or horizon preferences.
How well is your portfolio compared to the market and other investors? Our expert analysis shows you how to get more out of your money.
Our investment team breaks down the latest market developments and asset-class insights.
Organise a complimentary introductory meeting with a Lumin adviser to explore the different options available.
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