Authorised and Regulated by the Financial Services Authority.

Savings & Investments (1)
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There are many ways to save from bank accounts to owning direct shares. Generally, saving tends to be short-term focused for a ‘rainy day’, whereas investing tends to be for the longer term and may involve ‘tying up’ your money for some future date. It is always wise to seek advice in this important and often complex area of financial planning.

With the exponential growth of the global asset management industry, funds and asset managers have emerged to cater for every conceivable investment need. This leaves both the advisor and our clients with the complex task of deciding how and to which assets to allocate your money.

The stock market provides enormous opportunities for capital growth, but there are inherent risks too. In the case of funds, you have to choose the likely winners and outperformers from the thousands available.

Some questions to ask yourself are: When should I start investing and/or saving? What are my goals? Should I buy individual stocks or funds? How do you identify those managers, funds or stocks which are most likely to outperform? How should they be combined to create a coherent strategy? Should I invest overseas? These are just a flavour and all are important considerations to be thought through before investing...

Furthermore, should you use National Savings Products? What is an ISA and is it suitable for me? What is an ETF and are they suitable for me? Should I invest offshore or onshore? What are the tax implications for my particular circumstances? What is ‘With Profits’ and how does it work?

As is evident, saving and investing can be a very complex area indeed and consideration should be given to each question.

Despite many past studies and warnings that past performance is an unreliable guide to future performance, investors are regularly encouraged to buy funds at or near their peak and then sell at the bottom!

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Whatever your own personal requirements, contact us for a more
focussed discussion around your own personal needs.

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