When investing for income, it is vital to ensure that the investment you choose will not only provide the level of return you require but also will do so with as little volatility as possible. Volatility is incredibly important when you are drawing income from a fund as any fall in the performance will be exacerbated by the income being taken. This means that high risk funds or where performance can vary significantly from year to year are not really suitable for income purposes. At OMM, we specialise in finding investments which allow you to take income without having to worry about excessive volatility.

Investing for growth opens the door to a wide range of potential investments. The most important factors to consider when investing for growth are your anticipated level of return and your willingness to expose your capital to risk. If you are not willing to take any risk, it is unrealistic to expect a return of 20% p.a. for example. OMM will help you find the correct balance between risk and reward and will help to find the correct investment for you.

When investing for safety, it is imperative to find a low risk investment which also offers the correct level of liquidity to meet your needs. If you are keeping funds set aside in case of a medical emergency for example, it is no good having those funds tied up and you are unable to access them when you need them. OMM will help you find the investment you need to ensure that your capital is available to you as and when you need it, whilst ensuring that you maximise the potential return whilst it is not being used.

Income Tax and
Capital Gains Tax
OMM can help you structure your finances in such a way as to ensure your liability to Income / Capital Gains tax is kept to an absolute minimum through the use of fully regulated investment products.

Inheritance Tax
Our Spanish Inheritance Tax Reduction Arrangement (SITRA) will allow you to reduce the Inheritance Tax Liability on your Spanish Property by up to 100%.  Through the use of fully regulated investment products, we can also reduce your Inheritance Tax Liability on any investments or cash you may have.

With property prices having increased substantially in Spain over recent years, many people have found their property making up a larger portion of their overall wealth than previously.  Of course, this is not of particular use unless that wealth can be accessed.  OMM offers a solution to release some of the equity from your property in the form of a cash lump sum.  In most cases, it is possible to release up to 20% of the property value in the form of a lump sum and in particular circumstances, it may be possible to increase this figure.  It may also be possible to generate additional income from your property.  This lump sum can be used as you wish.

With property prices having increased substantially in Spain over recent years, many people have found their property making up a larger portion of their overall wealth than previously.  Of course, this is not of particular use unless that wealth can be accessed.  OMM offers a solution to allow you to generate additional income from your property. It may also be possible to generate a cash lump sum if required.