Investments & Savings

Many of us aspire to financial greatness, although with the absence of any form of planning many wonder why they fail to achieve this objective. Making the most of your hard earned money can be fundamental to achieving some of your more long-term objectives and we can help you to do this.

The basics

The initial question you should ask yourself with any form of investment is what are you trying to achieve and when? By clearly defining this it becomes much easier to select the tools that will best help you achieve your goals. Secondly, it is important to review performance on a regular basis both in line with your initial objectives and any changes that may have taken place in your life.

The tools

There are many forms of investment tools available to you such as Bonds, Unit Trusts, Investment Trusts and ISA’s to name but a few. The tools you ultimately choose are very much down to your attitude to risk, tax issues, fees and again your objectives.

It is important to consider diversity with any investment portfolio so that in the event that one market suffers it doesn’t jeopardise everything that you have built. We can also help make the management of your portfolio easier by utilising a number of investment platforms. These enable you to place a selection of funds from many different fund providers into one consolidated portfolio. There are also many other facilities on these platforms that just help make the whole investment process a much more considered and calculated process.

Something for a rainy day?

Similarly, the ability to save effectively is a skill that not all of us are blessed with. However, saving can have a significant impact on your financial situation so it is important to consider your objectives and what tools will best help you achieve the desired result.

The basics

Saving on a regular basis can have a surprising impact on your financial resources, and this can be achieved with a relatively low amount that you yet can deliver a nice little nest egg. You can either choose to save on a regular basis or by depositing a lump sum, usually applicable to ISA’s to maximise your allowance and tax efficiency.

The tools

There are a number of options available to you, such as savings accounts, ISA’s, unit trusts, national savings, pension contributions or premium bonds to name but a few. However, depending on your objectives and timescales you may need to carefully consider what will best suit your needs, which is where an Independent Financial Adviser can help.

If you would like to discuss your requirements with one of our Independent Financial Advisers then simply click on More Information above and complete the brief form and we will contact you. Alternatively you can call us on 0845 070 0115