INVESTMENT & SAVINGS

A significant number of people nowadays have substantial savings, often deposited in the bank or building society.

Whilst falling interest rates are good news for those with a mortgage, savers have seen their returns dwindle. In many cases, retired people rely on the interest from their savings to supplement their pension income and the prospect of lower and lower interest rates over the next few years is not at all welcome.

The Choices
There are so many choices when it comes to investments.

Do you use:

• Banks
• Building Societies
• Insurance Companies
• Friendly Societies

Should you invest your money in:

• Deposit Accounts
• National Savings
• Stocks & Shares
• Unit Trusts
• Bonds
• Gilts
• Investment Trusts
• OIECS
• TESSAs
• ISAs

Not only do you find yourself having to consider all of these, but your age, tax position, personal circumstances, and simply the kind of person you are (cautious, risk-taker, or a bit of both) should all have a bearing on the choice you make.

How we can help
Whether you are investing for the first time or are a seasoned investor, we can offer investment advice tailored to your individual needs and help you construct a portfolio of investments including deposits for 'rainy days'. We will also help maximize your tax position and identify any implications of taking these investment products. Whatever your plans and whoever you are, we will be able to bring your family's financial future into focus.

Click here to contact us.
Or
Click here for Independent Financial advice.

Please remember that the price of units and the income from them can go down as well as up and that past performance is no guarantee of future returns.