Savings and Investments

Certified financial advisors UK have access to a number of experienced and fully qualified advisors who can help you protect and grow your wealth. We understand that every individual is different and therefore offer a bespoke service to find the right mix of savings and investments to suit your aspirations.

Savings and investments form an important part to becoming financially independent. Saving money in the form of cash is recommended in order to have a readily available source of revenue should your circumstance change or an opportunity arise. Investments are designed to grow your overall wealth but tend to be longer term due to their nature.

Investments

Although it’s important to hold a certain level of cash it’s also important to have a diversified range of investments working on your behalf to.

Inflation eats away at cash deposits meaning that the values of your cash savings are reducing when inflation rates are larger then savings rates. One way of beating inflation is by having investments which are growing at a higher rate.

Investments give your money the opportunity to grow at a higher rate then inflation. Certain investments also have the opportunity to generate an income in excess of savings rates.

Property, ISA’s, shares, and bonds are a few examples of investments you can make to grow your wealth.

Investments such as ISA’s are tax free and can be invested at your discretion giving you increased flexibility and choices, another positive feature of investing in an ISA is that it can be for the mid to long term.

Onshore and offshore bonds can also offer tax efficient investments. There are many different types of bonds including Tailored, Capital investment, onshore and offshore therefore it is important to get the right advice when deciding if these forms of investment are right for you.

Remember investments can go up and down, which is why it is important to get the correct advice from our network of advisors.

Savings

Savings are considered to be low risk. Savings rates, which offer returns on your cash deposits, vary between accounts.

The key differences between the various deposit accounts on offer are how quickly you can get your money, the minimum deposit amount and the savings rates paid.

There are many options available to you when searching for the right deposit accounts, our network of advisors can help you find the savings account which meets your needs.