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What to do with a lump sum
An unexpected lump sum can have a significant impact on your financial circumstances - both practically and emotionally. With wealth planning, you can adapt to these changes and feel you’re making the most of your money.
Understanding your options
A financial windfall can take many forms, like receiving an inheritance（https://www.canaccord-wealth.com/your-needs/managing-inherited-wealth） or a life insurance settlement. You may also be wondering how to invest a bonus from work or manage your finances after your company’s Initial Public Offering (IPO). Or maybe you’ve received a substantial lump sum as part of a divorce settlement（https://www.canaccord-wealth.com/your-needs/divorce） or lottery win（https://www.canaccord-wealth.com/your-needs/lottery-winners）.
No matter how you received it, you have cash waiting to be taken care of. This can feel like a big decision, but it doesn’t have to be a difficult one – if you have a plan. Our experts（https://www.canaccord-wealth.com/about-us/our-people） can show you how to manage a lump sum of money in a way that works for you.
Making the most of a new opportunity
Receiving a lump sum can create new choices and opportunities alongside important decisions. Alice Wright（https://www.canaccord-wealth.com/about-us/our-people/alice-wright）, Investment Director, discusses how thoughtful planning can help you make informed decisions and put your wealth to work in a way that reflects your goals.
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How we can help
From how to invest a lump sum to planning what you’d like to do with your newfound wealth - we can help.
Wealth planning（https://www.canaccord-wealth.com/our-services/wealth-planning） Feel more confident in your future, as our experts bring clarity to your finances.
Investment management（https://www.canaccord-wealth.com/our-services/investment-management） Ensure your money is working as hard as it can with our investment management service.
I felt that this inheritance didn’t just belong to me and should help all the family. My Wealth Planner totally understood this and helped me create the arrangements I wanted.
How we helped Zara make the most of her inheritance
When we first met Zara she was in her early 50s. Her mother had recently died, leaving her £500,000, but she didn’t want to touch the money immediately; her main focus was to ensure she could pass it on to her children and any future grandchildren.
Read her story（https://www.canaccord-wealth.com/insights/client-story-exploiting-a-lump-sum）
Common questions on what to do with a lump sum
How can I invest a lump sum?
How to invest a large lump sum depends on your goals, timeline, and comfort with investment risk. Our Investment Managers can guide you through tax-efficient options（https://www.canaccord-wealth.com/your-needs/minimising-tax） and diversify your assets to balance growth and security.
Sometimes people don’t see an inheritance as their money and want to protect the capital（https://www.canaccord-wealth.com/insights/investing-and-inflation） as much as possible. Others want to balance paying off debt with a regular income plan. Whatever your preferences, we take the time to ensure your portfolio aligns with your wishes and future.
How do I invest a lump sum for income?
Investing a lump sum can be a way to receive a regular income, which could boost or replace your current income. It might mean you can work part-time, do some unpaid charity work, or retire early（https://www.canaccord-wealth.com/your-needs/retiring-early）.