Savings and investments

Savings and investments


In today’s financial climate getting into the habit of saving can make all the difference.  Savings give us the security of having a pot of money to fall back on if the unexpected happens - such as losing your job or having  to make costly repairs to your home or car.  Savings also help us achieve our goals such as going on holiday, a deposit for your dream home, a dream car or ensuring you can send your children to university.

It’s never too late to start saving. A little, often, can make a big difference to your financial security.  It’s a good idea to set yourself financial goals to keep you motivated to save, and it’s advisable to have at least three to six months worth of salary saved as it ensures should the worst happen you can still live comfortably while you find a new job. 

There are many different options available to you which can help to grow the value of your savings.  From regular savings accounts and tax-efficient ISAs to more high risk products such as OEICs and unit trusts, there are ways to save which will suit everyone.

To get you started you can use our financial tools and calculators such as the savings planner to identify how much disposable income you may have available to save.

This section will help identify the different savings and investment options available; however as with all financial products it’s important to choose the right one for you.  An independent financial adviser (IFA) will be able to identify the right saving and investment strategy by understanding your financial situation. The adviser will understand your situation by assessing your income, expenditure, financial goals and attitude towards risk.  Search for an IFA here.

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