The type of investment that suits your needs depends on a number of factors, such as the risk you are willing to take, the amount of income or growth you want, when you need your money back and the rate of tax you pay.
Consulting us, your Independent Financial Adviser (IFA) should be your obvious first step, particularly those looking at the various types of collective investment vehicles that are available. There are a whole range of opportunities open to the investor wishing to generate extra income or build up a capital sum for the future.

• Direct investment such as stocks & shares
• Collective investment schemes.
• Bond and gilt investment
• Corporate bonds
• Unit trusts
• Investment trusts
• Open Ended Investment Companies (OEICs)
• ISAs (Individual Savings Accounts)
• Investing money for your child´s future
• Tax efficiency
• Offshore investment
• PEPs and Tessas
• Friendly Society Tax Exempt Savings Plans
• National Savings and Investments
• Investment bonds (Off shore or On shore)
• Venture Capital Trusts (VT)
• Enterprise Investment Schemes (EIS)

So why should the saver, who has been content to build up a nest egg in a deposit account, move into the riskier area of investment in equity or bond markets? Well, the main reason is the chance of a higher return than can be obtained from deposit accounts. If the investor is prepared to be patient, many types of investment are not for the short term, over time he or she should be able to expect a higher return.

Whatever the nature of the investments you are considering; the starting points should be the same.

We as your Independent Financial Adviser will be able to help you identify the type of vehicle best suited to your needs, based on your own preferred balance between risk and return, how long you intend to invest, your tax position and whether you want income or growth.

There is no substitute for genuine expert impartial savings advice.
So what are you waiting for?

Take a moment now to review your spending, consider what you could be saving, and start putting yourself first - put a bit aside for yourself, no matter how small.
It´s time to get saving!
If you´d like to make the most of your spare income or capital, independent financial advice on how to manage your money more profitably can prove invaluable.