General savings


General savings

Interest rates on cash savings have been very low for many years now; investing your spare cash can help achieve greater returns

Interest rates on cash savings have been very low for many years now, and if inflation is higher than cash interest then the value of your savings is reducing in real terms.

Investing surplus cash gives the chance to achieve returns in excess of cash deposits and help to protect the spending power of your money in the future.

We can work with you to help you understand the right level of cash to hold, for example to cover unforeseen financial emergencies, and agree an appropriate amount to invest – either as a lump sum, or through regular investments.

We will also help you establish the correct risk level for your investments – some clients are more cautious by nature, whereas others wish to aim for higher levels of growth and are comfortable to see the value of their investments fluctuate more in the short term to try and achieve better long term returns.

We offer an ongoing advice service, so that your investments are continually managed to ensure they remain suitable for you.

As part of our ongoing advice service, we regularly review the funds in which our clients invest, to ensure they remain the best option. If we believe we can improve your portfolio by making changes, then we will recommend those ongoing changes for you.

The value of investments may fall as well as rise. You may get back less than you originally invested.