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Independent advice on how to invest your inheritance

While inheriting a large sum of money may be expected, knowing whether or not to invest your inheritance can present a new challenge at an already emotional time.

Give yourself time to consider what you’d like to do with the money.

You may decide you need access to all the money you have inherited, perhaps to pay down debt, buy a home or fund your current lifestyle. Or you may find yourself in a position to invest some of your inheritance.

If so, speak to one of our qualified Wealth Planners to get independent advice on whether investing your inheritance could help you achieve greater financial security for you and your family’s future.

  

Request a callback

To discuss what to do with your inheritance, book a complimentary, no-obligation consultation.

Request a callback

Frequently asked questions about managing an inheritance 

Our short video series answers some of the most frequently asked questions about managing an inheritance: 

  • How can I protect my inheritance for future generations?
  • How can we help you manage inherited wealth?
  • Should I invest my inheritance?
  • What should I do with an inheritance?
  • What can I do with inherited investments? 

Managing inherited wealth

Click here to listen to Sarah Windsor-Lewis, one of our Financial Planners as she talks through everything you need to consider when investing inherited wealth.

Watch the video

  

Why invest your inheritance?

Here are just some of the reasons why you may want to think about investing your inheritance:

  1. To grow your wealth – investing your wealth with growth in mind can be a good way to combat the corrosive effects of inflation and leave you with more in the long run
  2. To achieve your retirement goals – investing your inheritance could bolster your retirement fund, helping you enjoy a more comfortable retirement
  3. To make pre-emptive plans for long-term care – whether for yourself or someone else
  4. To provide additional income – the income generated from your invested inheritance could afford you a regular, extra source of income to spend as you wish
  5. To save for something important – you may have a big expenditure on the horizon that will require an injection of cash, such as a wedding, having or supporting children, or buying a home.

How to invest an inheritance

If you’re already thinking about investing your inheritance, our team of independent Wealth Planners can help you design a comprehensive wealth strategy based on your future goals and appetite for risk.

If investing your inheritance is the suitable way forward, they will know how best to do so, by considering several factors including:

  • Cashflow planning – to evaluate your financial needs now and in the future. By building a picture of your current and forecasted wealth, your Wealth Planner can work out how much of your inheritance you could afford to invest
  • Inheritance tax planning – with the aim of saving you significant amounts in the long term.

Managing inherited investments

If your inheritance includes investments left to you, you will need to decide whether to keep these assets invested as they are, move them or cash them in. To help you make an informed choice and protect the value of these investments, speak to a Wealth Planner before taking action.

They can review your inherited investment portfolio in terms of asset allocation, geographical split and exposure to market volatility. This is done to ensure your portfolio is in line with your goals, and if not, suggest how best to bring them in line with your personal financial plans.

How to protect your inherited wealth

At Canaccord Genuity Wealth Management, we have the expertise to ensure your inheritance is protected for the future and invested now to meet your needs, including:

  • A family trust company
  • A discretionary trust
  • A bare trust
  • Deeds of variation.

Our Wealth Planners will work closely with our investment management experts to construct a bespoke financial plan for you that is tax efficient, protects against inflation and has the flexibility to weather any changes in your circumstances.

Investing your inheritance – how can we help you?

While inheriting a large sum can be exciting, you might also find it daunting. Our personal Wealth Managers have the expertise and importantly, the independence to advise you on the best way forward.

Your dedicated personal Wealth Planner can:

  • Review your current financial situation and help you decide what is best to do with the money - such as paying off debt or your mortgage, as well as thinking about investing some your inheritance
  • If you decide you want to invest it, they can build a diversified investment portfolio suited to your individual needs
  • Review your plans on a regular basis and make adjustments as and when they are needed.

  

Request a callback

To discuss what to do with your inheritance, book a complimentary, no-obligation consultation.

Request a callback

Investment involves risk. The value of investments and the income from them can go down as well as up and you may not get back the amount originally invested. Past performance is not a reliable indicator of future performance.

The tax treatment of all investments depends upon individual circumstances and the levels and basis of taxation may change in the future. Investors should discuss their financial arrangements with their own tax adviser before investing.

The tax treatments set out in this communication are based on our current understanding of UK legislation. It is a broad summary and cannot cover every circumstance and it does not constitute advice.

The information provided is not to be treated as specific advice. It has no regard for the specific investment objectives, financial situation or needs of any specific person or entity.

  

Our specialist wealth planning solutions

Retirement planning

Learn more

Inheritance tax services

Learn more

Long-term care planning

Learn more

Services for business owners

Learn more

Comprehensive wealth planning

Learn more

Wealth management explained

Learn more

  

Keeping you informed

Japan – is it finally hitting the right notes?

After decades of zero and even minus interest rates why have Japan finally succumbed to increasing rates? Our experts in Edinburgh investigate.

Read more
Spring Budget 2024: Budgeting for an election

Read our summary of the Spring budget, in which we examine how the Chancellor’s announcements may impact you.

Read more

Wealth management updates

See all blog posts

  

  

  

Meet some of our wealth planning experts

If you would like to know more about how our independent Wealth Planners can help you invest during retirement, please get in touch. We will be delighted to provide more details of our services.

Photo of Mike Alford

Mike Alford

Senior Wealth Adviser

Michael has worked in the wealth management and financial services areana for over 25 years, across a number of sectors. His client centric focus continues to support those in need of a highly personalised financial advice service. Private client connectivity generally leads to the development of protection, investment. pension and estate preservation strategies.


LinkedIn
Photo of Frazer Wilson

Frazer Wilson

Senior Wealth Adviser

I have worked in financial services for over 35 years and joined the company in 2019. I help clients plan for the future with reference to individual needs and life goals. I pride myself on delivering sensitive and workable solutions to my clients’ concerns. I’m a Chartered Financial Planner and a fully accredited member of SOLLA.


LinkedIn

 

Book a free consultation with a Wealth Planner

  

Typically, we provide financial advice to clients with assets over £250,000 or investment management services to clients who have over £250,000 of investable assets. Please note, we do not offer a one-off share sale service below these amounts.

If you are interested in career opportunities at Canaccord Genuity Wealth Management, then please do not use this form to get in touch. Instead, please head over to our careers page to find out more.

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What happens next?

1. Arranging an initial consultation

First you can expect to receive an email from our team within 48 hours to find a suitable time that works for you, to arrange a voice or video call for an initial consultation.

2. Your consultation 

During this consultation, a member of the team will discuss your situation with you to understand your requirements and answer any questions you might have about Canaccord Genuity Wealth Management and the services that we provide.

3. Referral to a Wealth Planner or Investment Manager

If you decide to progress with us, you will be referred to one of our Wealth Planners or Investment Managers to discuss your situation and requirements in more detail. They will then design a bespoke proposal detailing a unique investment portfolio that matches your individual requirements and attitude to risk, to meet you and your family’s needs.

4. Working with you long-term

With our wealth planning and investment management professionals, your wealth is in expert hands. Our mission is simple - to help you build your wealth with confidence. We will always keep you informed about your investment portfolio and performance and will continue to work with you to build our relationship on your terms. We can meet with you face-to-face, by phone or by email, whichever is more convenient for you. You can also access your account online at any time through our app. Our wealth management professionals are always readily available to speak with you.

 

Investment involves risk and you may not get back what you invest. It’s not suitable for everyone.

Investment involves risk and is not suitable for everyone.