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8 Investment Ideas for You - Speak to Our Advisors Today

At Romilly Financial, we aim to help our clients in making investment decisions that will grow their wealth while ensuring it stays protected. As your financial advisor in Cardiff, we help you understand the risk to return ratio of each investment option so you can make an informed decision.

Here’s a look at 8 fantastic investment ideas you can consider.


An insurance or investment bond is a life assurance policy carrying a single premium. You can choose from investment-linked bonds or unit-linked bonds that offer a diverse range of risk and returns.


Diversification is an essential way to mitigate investment risk. A ‘collective’ is a great way to do exactly that. Also known as investment funds, collectives essentially involve a group of investors whose funds are placed in with a fund/investment manager, who use the sums to invest in diverse stocks.

Individual Savings Accounts (ISAs)

An Individual Savings Account is a tax-free way to save or invest. If you’ve just begun your journey into investing, ISA is a good place to start. You can save up to £11,520 per without paying any tax on the interest earned. Talk to our financial advisor in Cardiff for more information.


A simple saving plan can balloon your investment over the long term. So if you were to make the complete use of your TESSA, PEP and ISA allowance, you can look to sit on a million pounds in savings.


A share or equity is a small fraction of a company. When you own a share, you own a tiny part of the company. Shares are an important form of investment and highly popular at that. The risk profile varies from stock to stock but shares are known to offer some of the highest returns.

Exchange Traded Funds (ETFs)

An ETF is an Index Fund that is listed as well as traded on exchanges. The security may track an index, bonds, a commodity or a pool of assets. An ETF trades on a stock exchange like a common stock. ETFs are high-risk investment options and are a great option to consider given their low costs.

Venture Capital Trusts (VCTs)

A VCT is a close-ended and a highly tax-efficient investment method. It is commonly used by small companies to raise funds as part of their expansion plans. VCTs provide immediate tax benefits as well as capital gains tax deferral.

Enterprise Investment Scheme (EIS)

An EIS is a tax-efficient way to invest your money. An EIS helps small companies in raising funds through a variety of tax-efficient methods. It is a high-risk investment strategy that must be used with care to support your portfolio building and tax planning efforts.

Talk to Romilly Financial

Romilly Financial is rated among the top 250 financial advisors in the UK. We would be happy to discuss your goals and create a suitable financial plan for you. To discuss your investment options, get in touch with our financial advisors in Cardiff today.