Investments

As part of any financial plan we all need an emergency fund, generally we would aim to have at least six months expenses available.

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In addition to an emergency fund, we view savings a short to medium-term investment of say less than five years. They are also a low-risk home for your savings and can help reduce your overall risk if you hold other asset classes such as equity and property. You will have to bear in mind that, over the longer term, your money may lose its value because of inflation.

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We are great believers in utilising all available allowances and the National Savings range presents yet another opportunity for individuals to maximise net returns and provide a guaranteed hedge against inflation. As part of an overall planning process blending tax efficient deposit based investments should always be considered.