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Text Box: There are two different ways of managing your monetary assets... cash savings and investment assets.   For most of us, we aquire the cash first - usually out of excess income; and then save or invest this as capital - monetary lump sums.   Savings are simply cash, usually held in a current or deposit account with a bank or building society. The main purpose of cash savings is to provide a safe environment for your money with convenient access as and when you need it. The key benefits of a savings account are safe custody, instant or short-term access, little or no risk of losing the original capital value, and that you receive a certain rate of interest which is automatically credited to you.   The main downsides are no tax planning advantages, little or no control over the interest returns you get, and very little scope for any real growth in value.   Investments on the other hand, are literally anything else that money can buy with the intention of making more profit than the original cash. The vast array of various investments means that they can be both risky and intangible at one extreme; and almost as safe and accessible as cash at the other end of the spectrum. Either way, the main purpose of an investment is to beat it’s cash equivalent. The key benefits of investments therefore, are the creation of additional wealth that you didn’t previously have, almost total choice over how and where your money is invested, and as much scope as possible for advantagous tax planning.  Text Box: Risk & Reward - what's the trade-off?   Savings and investments also carry different levels of risk and reward. There is always some degree of risk, and there is always a potential reward to be gained. In most cases risk and reward go hand-in-hand, and range from one extreme to the other.   Risk for most of us means the possibility of loosing what we already have. On this basis we would keep all our assets in cash. But there are also hidden risks such as the diminishing purchasing power of the pound - whereby inflation erodes value; and the risk of what tax may be deducted. There is also the relative risk that cash savings alone will not provide a sufficient future value in real monetary terms.   Reward is what we expect to get in return for something we have done. So the more we do then the more we should get. Therefore if holding cash is doing very little - which it is; and buying an investment is doing quite a lot - which is also true; then investments should generate a much better opportunity for future reward. But there are two catches here. One is the amount of risk we can sustain; and the other is the matter of both time and timing.   The answer, if there is one, is what feels right for you. On a scale of 1 to 10 how safe do you want to be; and on the same scale, how much money do you need to make?   We have a Client Investment Profiler that will help you answer these questions for yourself, and thus enable us to help you in an appropriate way. Text Box: Making the right choice...   It’s clear that choosing the right investment is not simple, particularly when there are so many providers and products available to you today. Among the decisions you need to make are: How much should I invest? How long should I invest for? What gains can I expect? What risks should I expect? What's right for me? Investment Advice   Our rigorous Investment Advice Process will help you answer all of these questions, and more, as far as is ever possible. Our expertise and access to the world of consumer investments will empower your decision making process, and provide you with the best possible opportunity of making the right investments for the right reasons.   Please feel free to talk to us about your investment planning including any of the following services and products: Generic Investment Advice Personal Investment Profiling Individual Savings Accounts Child Trust Funds UK Investment Bonds Offshore Investment Bonds Collective Investment Funds Text Box: Making Money Work - How is it done?   As financial advisers our job is to help you strike the right balance between savings and investments for the purpose of achieving both preservation of capital and creation of monetary wealth.   Generic Advice: As a professional adviser, we can help you decide logically upon the right mix of secure savings and profitable investments. We’ll do this together by talking it through with you, and with the help of some intelligent analytical tools. Whilst we will remain sympathetic to your financial attitudes, we will also help you apply a logical process.   Specific Recommendations: Using our expertise and some powerful research capability, we can identify where you could put your money and where you perhaps shouldn’t. We can help you apply an impartial rationale to the vast array of choices and make appropriate selections.   It’s all about blending attitudes and objectives; and then finding an appropriate opportunity for them to flourish. Our Investment Advice Process is designed to suit your risk and reward profile, your financial objectives, and to provide maximum tax efficiency.  

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