With so many different ways to invest your money, from bank saving accounts to ISA’s, stocks and shares to bonds, it is no wonder you may be left scratching your head in confusion! But do not fret as our team of professional Financial Advisers, will take this headache away from you. We will assist you by:
Investments are something that you usually put money into or buy (invest) to make a profit. It can be confusing, but it doesn’t have to be a minefield. Read on for our easy guide to investments.
These are usually savings accounts, where you deposit money into and you watch it grow (depending on the interest rate and the state of the market).
ISA's are a very popular way of saving money, and you don’t pay tax on the money that you save. Each year you will get an ‘ISA allowance’ which tells you how much you can save in that tax year. You can choose to have a cash ISA, an ISA made up of stocks and shares, or a mixture of the two.
These are also referred to as equities and are bought and sold on the stock exchange. If you buy some shares in a company, then that means you ‘own’ a share of the company’s value. Your profitable return will depend on how well the company performs. Therefore, some people think that this type of investment may be riskier than others, but if you know what you are doing, you can make a very large healthy return.
This is a lottery bond issued by the UK Government’s National Savings and Investments (NSI) agency. The bonds are entered into a regular prize draw and the government buys them back for their original price.
This is where you can either ‘mortgage’ or buy a property outright. You can either earn rent or you can sell it and make a profit. If you chose to sell your property, the profit will depend entirely on the current house market climate. Remember the financial crash of 2008? This was an unpleasant time for a lot of homeowners, as they watched the value of their property take a tumble. However, thankfully the housing market recovered from that and we have now seen a steady rise in property prices.
Please note that investment returns are not guaranteed. The value of your investment can go up or down and may be worth less than you paid in.
Whether you are looking to start a pension or want to know how to ensure your existing pension is working for you we can help.
If you are a first time buyer or moving house or looking to re-mortgage we can help you choose the right mortgage.
Over the phone, over tea and biscuits or over at your place, our ear is always available to listen to what you need. Nobody’s protection needs are too small and no investment is too complicated.
We’re here to take time with our customers to make sure they walk away happy and with greater wealth or greater financial stability than when the process began.
Simply complete the form to the right or call us on 0117 9392837 to get the conversation started.