Savings & Investments

Why are we encouraged to build up our savings? From childhood most of us are told to put away money to save for the future – perhaps for something special? Or perhaps to be sure that when we really need something we have the funds to acquire it, without taking on debt?

The value of the investment can go down as well as up and you may not get back as much as you put in.

Piggy Bank Savings…

Whether you place your money in a piggy bank, or in a multinational investment house, our aims are broadly the same; to provide for our future needs, and to protect ourselves against unexpected causes of expenditure.

We can help you put your spare cash to good use to build and conserve wealth tax-efficiently. How you do this will depend on your goals, timescale and attitude to risk.

Are you saving for a deposit on a house in five years, your children’s university fees in ten years or your retirement in twenty-five years? Do you think of yourself as the kind of person prepared to take risk, or do you prefer some certainty? When planning your finances, it is important to distinguish the difference between savings and investments.

Savings are generally funds that you set aside, but can access relatively quickly. These savings are often for a specific need or purchase, like a holiday or a new car.

 

Need Investment Advice?

Investments are designed to be held for a longer term, usually at least 5 years. You need to be comfortable with tying up this money for a period of time, and should not consider investments unless you have some savings in place.

Before we offer you any investment advice we listen to what your objectives are. We will discuss how long you want to save for, whether you want to make regular savings or have a lump sum to invest. We need to understand what your attitude to investment risk is too. We constantly review your savings and investments ensuring that the investment strategy still meets with your requirements taking into account any change in your circumstances.

We offer advice on the following:

• ISA’s
• Investment Funds
• Investment Bonds
• Mutual Funds
• Offshore
• Guarenteed/Structured Products

If you are still unsure as to which savings and investment products would suit your circumstances then please call or send a message through our online contact form here.