Investments & Savings Advice

By: Andrew Stuart & Company Limited  29/05/2012
Keywords: investment, Company, Financial advisers

nvesting is an effective way to create wealth by making your savings work harder to achieve your financial goals sooner. The biggest fallacy about investing is that it’s only for the rich. This is far from true – you don’t have to be wealthy to be an investor. In fact, a well managed investment plan can increase your wealth, provide you with an income or both. No doubt you’ve worked hard for your money; by investing it wisely you can make it work harder for you. Which investments are right for you? There’s no single answer to this question – it all depends upon your individual needs and circumstances. Whilst there’s a wide choice of investments available, selecting the best option can be difficult. Your choice of investments should correspond with: Your short, medium and long term goals Your current financial position The level of investment risk you’re prepared to accept You’ll also need to consider: security – how secure will your money be? liquidity – how accessible will your money be? returns – what results can you expect? inflation – will your investment grow faster than inflation? tax – what percentage will the tax man get? effects on social security – how will it affect your eligibility? timescale – for how many years are you planning to invest? When should you invest? It’s not when, but rather for how long you invest which will determine how your money grows. By maintaining a long-term view of your investments, you can reduce the impact of short-term market fluctuations and, over time, enjoy higher growth. A long-term investment strategy has the added advantage of compounding the return that you earn on your investment. Compounding is when you reinvest the interest you earn on an investment and can be an effective means of accelerating the growth of your money. If you continue to reinvest your interest over a few years, you’ll be earning interest on your interest on your interest… Creating your unique investment plan Your choice of investments should be based on well informed decisions, not by instinct or rumours of a surefire investment opportunity. Investing without a strategy has been likened to building a house without any architect’s plans. Whatever the nature of the investments you are considering, the starting points should be the same. Our independent financial advisers will be able to help you identify the type of investment best suited to your needs, based on your own preferred balance between risk and return. Call us now for an initial savings & investment consultation without charge. Even if you already have savings and investments or a good idea of where you want to be, a second opinion from an independent financial adviser can help give you confidence in your present as well as your future. Please get in touch for Honest Effective Life Planning.

Keywords: business advice, Company, Financial advisers, independent financial advice, Inheritance Tax Planning, investment

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