Saving for the future is an essential part of financial planning. Whether it's saving for your children's education, your retirement, a holiday or even just for a 'rainy day', saving is a vitally important habit. The alternative is living on the edge, beyond your means, using credit whenever you can get it and ultimately putting yourself and your loved ones under too much pressure.
Whether investing a lump sum or saving smaller amounts on a regular basis, good financial advice is important. Again in these uncertain times, security must be paramount. Any risk undertaken must be appropriate to your circumstances. How long will you be investing for? Will you require access to the money? Would you like an investment which offers you the potential to switch funds along the way? As the saying goes, if something looks too good to be true, it usually is.
As always there are many financial institutions interested in your money but just how financially strong and secure are they? What asset class do you wish to have exposure to? Cash, Government Bonds, Commodities, Equities, Property?
Do you want to invest in something very specific or something that's broader based? Gold, China, India, Technology, 'Green' Funds or maybe something with a capital guarantee? The mythical investment with total security and strong returns doesn't exist so it's always a trade off between risk and return. We can help advise you as to the most suitable options for you.