This guide looks at how to generate sustainable, tax efficient income in retirement from a collection of investments and investment accounts. As fewer and fewer of us buy annuities, or rely on defined benefit pensions to deliver this income, more and more of us are tasked with this key challenge.
To create the guide, we have combined the core skills of tax and investment planning with investment management. The guide focuses on using non-controversial tax accounts which are readily available to UK residents and UK tax payers and investing in the major global liquid investment markets. These accounts and investments can be arranged with as little, or as much effort on your part as you wish to make.
Tideway’s Horizon approach allocates capital based on the time horizon, risk appetite and use of funds.
We recognise that different assets have different risk and return characteristics so it is really important to correctly align investments with the expected holding period.
Tideway Horizon Portfolios are specifically designed for those investing irreplaceable funds in pension accounts, ISAs and general Investment Accounts.