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• Savings & Investments
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Savings & Investments

Making your money work for you!!

Why are we encouraged to save money? Most of us are told to put away something for a rainy day or our future – perhaps for something special! Whether we put our money in a piggy bank or with an investment house our aims are broadly the same: to provide for our future needs and to protect ourselves against unexpected expenditure.

ISA, ENDOWMENT, BONDS, PEP, NATIONAL SAVINGS, INVESTMENT TRUSTS, GILTS, SHARES, UNIT TRUSTS, OEIC, DEPOSIT ACCOUNT, CASH, GUARANTEED BONDS.

When planning your finances, it is important to distinguish the difference between savings and investments. Savings are generally funds that you set aside but have instant access to and are generally for a short term need or purchase, like a holiday or a new car.

Investments are designed to be held for the longer term, usually at least 5 years, and you should be comfortable to invest this money for a period of time. You can either invest with a single premium or by regular contributions.

Savings or Investments can be used to either provide capital growth or an income and you should discuss Returns/Risk and Volatility as these factors will determine whether you invest a single premium or regular premium to find a suitable place for your money.

The value of an investment can fall as well as rise and you may not get back the full value of your original investment. Contact us before making any decisions