Above page content

    Site map  Cookie policy

Investment tips for high earners

At the last count, there were around 364,000 people in the UK paying additional rate tax (45% on taxable income over £150,000).

Louis Coke


At the last count, there were around 364,000 people in the UK paying additional rate tax (45% on taxable income over £150,000). 

If you are fortunate enough to be in this bracket, it is highly likely that you will either have a significant investment portfolio or be able to save enough to create such a portfolio

Whilst the information below should not be considered investment advice, our experience in looking after the affairs of high net worth individuals suggests that you might want to consider the following:

  • Make sure you have a financial adviser.  Earning significant sums has implications on the amount you can put in your pension, your tax bracket and can also present some tax planning opportunities. Your financial adviser can explain the impact and opportunities of this. If you don’t have a financial adviser, speak to us.

  • Invest, invest, invest.  You should consider paying off any outstanding short-term debt and assess if it is appropriate to pay off long-term debt based on the interest rates you are paying, and then start building your wealth. Invest regularly and strategically – employing the services of a wealth manager like Charles Stanley can help ensure you don’t miss out on appropriate investment opportunities.

  • Re-evaluate the tax efficiency of your accounts.  Tax wrappers, such as ISAs, are entities that contain cash or investments that can help you manage your tax liabilities.

  • Consider the benefits of compounding.  Albert Einstein famously described compounding interest as the 8th wonder of the world. Regular investing can provide you with a fantastic long term nest-egg to give you financial flexibility in the future. Saving in cash is fine, but don’t dismiss the power of compounding to potentially increase your purchasing power in years to come.

  • You don’t have to do everything.  Your focus should be on your business and your career and other things you love doing. Outsourcing the care of your tax, investment and legal affairs to qualified professionals gives you the time to secure your financial future by focusing on building your personal brand and career.

We hope the above offers some useful pointers. If this article applies to you, you may be interested to know that Charles Stanley manages the financial affairs of many individuals in your situation. To find out more about how we might be able to help you, please contact us.



Get in touch

Find out more

Our focus on clients has endured since the foundation of Charles Stanley in 1792 and has helped make us one of the UK's leading wealth management firms. Your interests give shape to everything we do.

Please call us to talk about your circumstances or complete the enquiry form.

020 3797 1783

Make an enquiry


We store your data in accordance with data protection legislation and our privacy notice. You can unsubscribe at any time by clicking the link in our emails or emailing us

Local Office

Your local office

Your local Charles Stanley office can help advise you on a wide range of investment management services.

Select an office


Newsletter banner signup