Savings and Investments

Whether you wish to start saving either on a regular basis or as a “one-off”, we can help you choose the right investment vehicle and, importantly, the correct investment fund strategy and asset allocation. Investments can form a very tax efficient part of your portfolio and can also be used to help fund for your childrens’ future education.

Investments can be made on the following bases:

• Individual Savings Accounts (ISAs)
• Bonds
• Unit Trusts/OEIC’s
  
  

• ISAs
• Regular Savings Plans
  
  

If your leaning is more towards ethical and social responsible investing – we can help in this area also.

Regular Savings benefit from “pound cost averaging” - Pound cost averaging takes the worry out of investment decision-making - you do not need to panic when the price falls because you will merely be buying more units in your chosen investment fund(s) and because you are paying premiums on a regular basis it benefits from volatile markets. The more the market swings the greater the benefit to somebody using pound cost averaging.

We can also provide guidance on National Insurance Savings to form part of your investment portfolio.

The majority of investments are made in Stocks and Shares and it is important to point out that the value of shares can fall as well as rise.

Other areas of advice that may be appropriate to you at this time include: