Investments

 

Whether it’s because you've won money, received money from inheritance or built up a tidy nest egg by saving on a regular basis, your money should be wisely invested so that its spending power is protected for the future. Leaving large amounts of money on deposit in banks or building societies may not be the best long-term answer.

Although these accounts are seen as the traditional safe haven, recent years have seen interest rates being reduced sharply and deposit accounts may not now even be keeping the value of your money in line with changes in retail price inflation.

All governments recognize how important it is to encourage people to save and they normally achieve this by offering tax incentives on a whole host of savings products. These incentives range from reduced levels of Income Tax on Deposit Accounts for most taxpayers through to tax efficient investment growth on products like ISAs.

Many people recognize that to achieve better long-term protection for their money against the effects of inflation, it is often worth considering 'equity' related investments. These are ones that are linked to changes in the value of company shares. You could gain access to the 'equity' markets either directly through buying shares or indirectly by investing in investment products such as ISA’s, Unit Trusts, Investment Trusts or a Capital Investment Bond..

Equity based investments do not afford the same capital security as a deposit account.

Please note past performance is not a guide to future performance.

If you are considering 'equity' related investments it is important to remember that the value of your investment and the income generated from it may fall as well as rise and that there is no guarantee you will get back more than you invested.

 

For more information, please contact our Financial Services department here to arrange a mutually agreeable appointment.