If you want financial security, you’ll need to save. Building up savings should be high on your to-do list and included in your monthly budget.
What’s the difference between saving and investing?
These terms can be confusing, as they’re often used interchangeably. However, ‘savings’ is commonly used to mean ‘cash invested with a bank or building society’, while ‘investments’ usually implies higher-risk products such as stocks and shares or bonds. But the definition isn’t clear-cut – for example, stock & shares ISAs are often referred to as savings.
The biggest challenge facing investors in today’s uncertain environment is how to maximise returns without taking too much risk. When looking at investments with you, we will take a holistic approach. It is crucial for us to understand your objectives and your attitude to risk to ensure that the products we recommend match your needs and wishes.
We will help you identify a well-balanced investment strategy that is safely diversified and does not over depend on the fortunes of one type of investment or one investment company. When access to funds is required will be taken into consideration.