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Making your Money Work

INVESTMENTS AND SAVINGS

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What is the difference between savings and investments?

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Quite simply put, savings in generally considered as money you put on deposit in a Bank/Building Society or similar institution. They will earn various rates of interest over a period of time and are considered low risk, and the returns will be low.  Overtime inflation will erode the real rate of return and reduce purchasing power. Having cash on deposit is important to meeting day-to-day expenses and to provide for any financial emergency.

Investments have a higher risk, so have potential to provide higher returns. Having an investment strategy in place to provide future income streams and capital growth is important.  With careful planning and regular reviews they will provide a balanced return over time.


Everyone's needs are different, no one size fits all, to find your requirements we will conduct a full Financial Review and factor in such things as:


  • Attitude to risk?

  • Debts ?

  • Will you need to have quick access to your money?

  • Any existing investments, savings you may have in place?

  • Future inheritance?

  • Existing Retirement Plans?

  • Education Planning


Once we have a full understanding of your immediate and future needs, we will guide you through the various options to secure your financial future.


To ensure you're investments are on track and we will be conducting regular reviews of investment returns, any change in personal circumstances?

Investments and Savings: Packages
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