There are many reasons individuals look to save and invest for the future. Whether it is saving to pay for the unexpected bill, looking to save for a deposit on your first home or saving into a Pension. At different times of our lives we all have different goals and aspirations which evolve through our lives from progressing up the property ladder, paying schools fees to weddings. With good financial planning and investment management, your investment strategy through your life should evolve with you and help your money work for you to reach these aspirations in life.
There are many ways to save and invest for example from cash accounts (bank accounts), fixed term notice accounts to cash ISA’s. As investment sums grow over time depending on your individual objectives and attitude to risk. There may be a requirement to seek higher returns on your investments especially as interest rates are currently so low.
Inflation can erode the value of money over time, to try and keep pace with inflation. Saving over the longer term usually requires a balance between holding a certain amount of money within cash accounts for easy access and some form of investing to keep pace with inflation and produce higher returns on your investments over the longer term.
Performance of Cash V’s Investments over a 20 year period
Research has shown if you invested £100 a month into a typical savings account you would have saved around £12,305.79 after a 10 year period and £26,670.92 after a 20 year period.
This is a nice little nest egg, but the same research showed if it had been invested in equities
The same £100 a month the investment would be worth around £19,594.66 after a 10 year period or £56,344.56 after a 20 year period.
Although this looks impressive, investing in the stock market is not for every client and great care must be taken when looking to invest. This shows over the longer term how investments can outperform cash investments, but there is always an element of risk with investing money that you may not get back what you initially invested.
Our Strategy
Our aim is to provide you with the peace of mind that your investments will be managed by some of most experienced, highly qualified and rated professional’s in the country. We believe if you wish to entrust your hard earned cash for someone to invest, you should be aware of your options and the charges. The fee should be fair and the person looking after your account should be appropriately qualified to do so.
As larger firms by economies of scale are often able to charge a lower fee, individuals are often unaware that they are able to access these companies expertise. These firms have had to evolve over the years with the competition to provide a very flexible, friendly and highly professional service to their clients, at often a significantly lower fee.
As investments strategies and the performance can have such a significant impact on your overall living standards, especially if you are saving for a pension. We constantly review the companies we are referring to for the level of service they provide, their overall knowledge of the stock markets, the research they use, their performance against their peer groups, and their fee structure.
We will only refer to companies who consistently perform well against the benchmark and operate within a fair fee structure shown in the Fee and Performance.
Research has consistently shown that poor performance and high fees can cost individual’s as much as £482,791 over a 20 year period.