INVESTMENTS

Whether it’s because you've won money on the lottery, built up a tidy nest egg by saving on a regular basis, received an inheritance or taking the tax free lump sum from your pension, your money should be wisely invested so that its spending power is protected for the future. Leaving large amounts of money on deposit in banks or building societies may not be the best long-term answer.

Although these accounts are seen as the traditional safe haven, recent years have seen interest rates being reduced sharply and deposit accounts may not now even be keeping the value of your money in line with changes in retail price inflation.

Many people recognise that to achieve better long-term protection for their money against the effects of inflation, it is often worth considering 'equity' related investments. These are ones that are linked to changes in the value of company shares. You could gain access to the 'equity' markets either directly through buying shares or indirectly by investing in investment products such as Unit Trusts, Investment Trusts or perhaps even a Life Assurance Bond.

Volatility in current markets have also seen a launch of new protected capital and income style investments which we can discuss with you.

Please note that future values of investment cannot be predicted and past values are not an indication to future performance

Before you make an Investment, we will assist you in deciding the following:

1. How much investment risk you want to take? We will ask you to complete an attitude to risk form which will help us to establish this for you.

2. Which fund to invest in based on the information provided.

3. How much you wish to invest.

4. 4. Are you investing for the short, medium or long term?
   
   

5. 5. Do you require capital growth or income or a combination of both?
   

These are a few factors which need to be taken into account but a full financial questionnaire and meeting will always be conducted before a recommendation is made.