Wren Library: Start smart

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Benefits of Investing

Building an investment portfolio can help you achieve long-term financial goals. For your savings to grow in ‘real terms’ over time, they need to earn more than the current rate of inflation. In today’s low interest rate environment, finding a savings account that can do that is difficult.

Whilst past performance is no guide to future performance, Cantab’s Moderate and Balanced portfolios have consistently beaten appropriate benchmarks and inflation over time.

Risks of Investing

The value of investments and income derived from them can fall as well as rise.

Past performance is not a guide to future performance.

Investments always need to be viewed on a medium to long term timescale (5+ years) as markets fluctuate over the course of time.

Investments may go up or down.

Tax-efficient Investing

There are several investment accounts in which you could buy the Cantab funds:

  • General Investment Account (‘GIA’): These can be used in a tax efficient way if you optimise your annual Capital Gains Allowance and your dividend allowance. Institutions can purchase the Cantab fund in a GIA - there is no capital gains tax on gains made within the OEIC fund.

  • A Self-Invested Personal Pension (‘SIPP’): Broadly speaking, you are entitled to income tax relief on the contributions you make to a SIPP – this could be 20%, 40% or 45% depending on your tax bracket. You generally cannot take money out of any pension until you are 55. Gains within a SIPP are also tax free.

  • Stocks and Shares Individual Savings Account (‘ISA’): This tax-efficient savings method allows you to invest up to £20,000 for the current tax year 2019/2020. Income and growth within an ISA is tax free.

Investment Calculator

Start Investing

To start investing in Cantab’s funds today:

Open an Account with one of our Partner Platforms Decide which type of account(s) you need (ISA, SIPP, GIA) Decide which VT Cantab Fund is most appropriate to your attitude to risk and capacity for loss Buy fund in the relevant accounts (ISA, SIPP, GIA)

 

Cantab’s Partner Platforms for UK Investors include: