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Equities

Independent Financial Advisors in Leeds - Richardson & Wise Finance.

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At Richardson & Wise our aim is to ensure you receive professional unbiased advice.

Equities are also known as shares or stocks.  When you buy shares direct in a company you are buying a part of that company, and become a shareholder, which gives you the right to vote on certain issues.

The aim of buying shares is for the value to increase over time in line with profitability and growth of that particular company.  You may also receive a dividend, this is an income paid out of the company’s profits.  Longer established companies usually pay dividends.

A collective investment is one where lots of people put in different amounts of money into a fund, which is then invested in one or more asset classes by a fund manager.  There are several types of collective investments: Open-ended Investment Funds, Life or Pension Investment Funds and Investment Trusts.

EQUITY RELEASE

If you own your home then one option available to you might be to release some of the equity in your home, known as Equity Release.  You stay in your own home and utilise its value to spend or invest as you like without having to make any repayments.

To understand the risks and features of an equity release mortgage, ask for a personalised illustration.