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Savings & Investments
Savings
Apathy rules with savings. The financial institutions tease you with attractive headline rates, which is the only way they can attract your money, but too many people then leave it at that and rarely revisit. It is not difficult to review savings rates.
Do you know what an Individual Savings Account is?
If you have savings what rates are you getting at the moment?
Can tax be saved on any of your savings?
Apathy rules with savings. The financial institutions tease you with attractive headline rates, which is the only way they can attract your money, but too many people then leave it at that and rarely revisit. It is not difficult to review savings rates.
Do you know what an Individual Savings Account is?
If you have savings what rates are you getting at the moment?
Can tax be saved on any of your savings?
Investments
It is our role as an IFA to help you choose the right investments in order to help you meet your objectives. What you need to give some thought to is what those objectives are. This is an area in which compromise and self-understanding are essential. Most people want investments which are safe, in the sense that they cannot fall, and which offer high returns. This ideal combination is not available. Beware anyone who claims otherwise.
Sensible investment planning revolves around understanding what your investment aims are. Broadly speaking the longer that your investment is to be left alone, (e.g. for retirement), the higher level of short term risk that is acceptable. If however the money is needed in full in the near future then short-term safety is essential.
In short, we will help you determine an investment strategy appropriate for your needs, and using the investments best suited to your investment attitude and tax position.
Questions to ask yourself
It is our role as an IFA to help you choose the right investments in order to help you meet your objectives. What you need to give some thought to is what those objectives are. This is an area in which compromise and self-understanding are essential. Most people want investments which are safe, in the sense that they cannot fall, and which offer high returns. This ideal combination is not available. Beware anyone who claims otherwise.
Sensible investment planning revolves around understanding what your investment aims are. Broadly speaking the longer that your investment is to be left alone, (e.g. for retirement), the higher level of short term risk that is acceptable. If however the money is needed in full in the near future then short-term safety is essential.
In short, we will help you determine an investment strategy appropriate for your needs, and using the investments best suited to your investment attitude and tax position.
Questions to ask yourself
Do you have investments and why?
Do you know who is managing them on a day to day basis?
What charges are you paying for your investments?
Do you really understand your investments?