McLean’s Financial Services

Getting to grips with the language of investment
Accumulation units/shares
With this type of unit/share any income earned on your investment remains accumulated within the price of your units/shares, increasing the value of your holding.
Active managed funds
Funds which aim to outperform a benchmark index, such as the FTSE 100. The aim is for the fund manager to [...]

Obtain the right advice for your needs
The right protection plan can protect your family’s lifestyle if your income suddenly changes due to death or illness. That’s why obtaining the right advice about the products, including the most suitable sum assured, premium, terms and payment provisions is essential. We take the time to understand your unique [...]

Consolidation of your retirement funds could bring benefits
Most people, during their career, accumulate a number of different pension plans. Yet maintaining separate plans can be inappropriate and complicated and lead to lost investment opportunities, exposure to undue risk, higher costs, and more.
Talk to us about how we could potentially help you avoid these problems, if [...]

It is 100 years since the very first State Pension was introduced. Lloyd George introduced State Pensions in August 1908 when the Old Age Pensions Act was passed.
The first State Pensions guaranteed a minimum income to people over seventy. They received up to five shillings (25p) and were means tested.
Since then, the State Pension has [...]

What are the options available to you?
There are a wide range of investment funds available to choose from. You should consider whether you are primarily investing for growth, income or for both.
If you want some income, but no risk to your capital, you may wish to consider choosing a money market or cash fund, which [...]

It’s not only the super-rich that are subject to inheritance tax
Benjamin Franklin once said that “nothing is certain but death and taxes,” and thanks to inheritance tax (IHT), they’re not only certain they’re intrinsically linked.

Spreading the risk to acquire a good mix of assets
Spreading risk and getting a good mix of assets is often known as “diversification.” You can invest directly by buying shares and bonds in different companies. You can also use funds known as collective investments, which pool your money with that of other investors and typically [...]

Make sure your financial affairs are in good shape
Increasing our sense of financial security and freedom, to enable us to do what you want to do, when you want to do it, becomes much more of a reality at the stage in our lives when our financial affairs are in good shape. With funds available [...]

Setting financial targets is the key
Your ability to enjoy a long and fulfilling retirement will depend largely upon how well you accumulate assets throughout your working life and what you do with them once you have retired.
We can work with you to develop a strategy and help you build up the funds you’ll need to [...]

A guide to where your money is being invested
Unit trusts and open-ended investment companies (OEICs) are divided into different groups, or sectors by the Investment Management Association (IMA).
There are two broad categories, Income and Growth, and each sector within these groups is made up of funds that invest in similar assets, the same stock market [...]