investing for income

With interest rates at an historic low generating a reliable income from your savings and investments has become increasingly challenging since the global financial crisis.

Achieving an income calls for a broader range of income-producing investments. These could include shares, unit trusts and other investment funds, government and corporate bonds, and assets such as property.

Selecting and monitoring the right mix of investments may involve more time than you are able or willing to devote, or you may prefer to entrust managing your wealth to a professional. This is why our clients delegate responsibility for the day-to-day management of their investments to us.

As wealth managers, investing our clients’ money to provide a reliable income over the long term is one of our core skills. We will tailor an investment strategy for you that will take account of how often you need to receive income as well as the level of risk you are prepared to tolerate.

The new freedoms for accessing pensions have created many more opportunities to generate an income in retirement. We can help you maximise your income while preserving your wealth for a long and comfortable retirement.

No investment is suitable in all cases and if you have any doubts as to an investment's suitability then you should contact us.


Investing for growth

You may be looking to grow the long-term value of your wealth to provide an income later in life or to pass on to future generations.

We can structure a portfolio for you that balances investment potential with an appropriate level of risk. Growing the value of your portfolio, keeping ahead of inflation and managing the ups and downs of stock markets involves blending a range of investments from around the world.

A core part of your portfolio will be shares, including those paying dividend income, which can be reinvested for further growth. We will also spread risk by including bonds and other investments such as commercial property.

Our investment managers, supported by our award-winning research team, keep abreast of the latest research, news and data to ensure that our clients’ portfolios reflect both their bespoke needs and fluctuations in global investment markets.

Investing for a goal

From funding children’s education to meeting the costs of care in later life, we know that many of our clients need to cover significant financial liabilities. We can factor capital withdrawals into your investment strategy, tailoring it to suit your needs, both now and in the future.

Paying for a child or grandchild’s education is a sizeable commitment. We can help you develop an investment plan that provides financial support on a one-off or regular basis for your children’s or grandchildren’s school and university costs.

Later life planning
As many of us lead healthier, wealthier lives, it is easy to underestimate the cost of future care. Many misjudge both the fees and the period of time over which care needs to be funded. As part of our commitment to foreseeing all of your future cash flow needs, we will make sure that additional costs in later life are factored in to your investment plan.

Investing tax efficiently

Paying tax is an important legal requirement. But by investing tax-efficiently, we can help you to make the most of the available allowances and incentives. A key advantage of having your investments managed on an individual discretionary basis is that your investment manager can be mindful of the implications of selling any investments you hold. Our clear understanding of capital gains tax allows us to help you avoid unnecessary losses in the sale of typically long-held investments.

For individuals and couples, from prevailing income tax thresholds to capital gains allowances,Individual Saving Account limits and the latest dividend tax rules, we draw on a repertoire of tax-efficient investments and make certain your tax allowances are utilised efficiently and profitably.

Along with pensions, individual savings accounts are the investment products with favourable tax status, which most people are familiar with.


You want to make the most of your money. BCE Limited can help.

We specialise in helping clients tackle issues and make the most of opportunities to protect and grow their wealth. We can help you create financial plans and investment portfolios that meet your personal and professional ambitions and aspirations.