FinancialAdvice.co.uk Logo

Qualified advisers answering your
Financial Questions
call 0800 092 1245

Investment help, advice and guide

Welcome to the financialAdvice.co.uk investment advice page. Here you will be able to get all of the help and advice you need to assist you in making the right investment choices. We also have a range of useful guides designed to give you more information about investments, which you can find below.





What is investing?


Investing or investment means placing your money in a place where it works for you and earns additional profit. There are several ways you can go about investing your, money and some of these include:


- Stocks and Shares
- Bonds
- Property


Investment means introducing a ‘risk’ to your money. Risk could enhance your cash investment but also there is the risk element that you could lose some, or all, of your money.




Types of investment



Once you have taken care of clearing any major debts and have set aside money to cover against any emergencies, you can start to think about investing. However there are many types of investment to choose from, some of which carry higher risk than others. Here is a list of common investment vehicles:


- Individual Savings Account (ISA)
- Endowment policies
- Investment bonds
- Corporate bonds
- Property and property funds
- Equities funds


Some types of investment will be ‘self-invested’ while some will come in the form of a product from a financial company. Without help and advice though, it can be difficult to make sure you are making the right investment choices. Our advisors will answer your investment questions, and put you on the right track to an investment that suits your attitudes and goals.



Investing a lump sum


We know that people receive lump sums for a variety of reasons, and much of the time the goal is to save this until it is needed. Investing this money is a common choice with the aim of growing it further, but choosing the right investment can be difficult.



Investment goals and risk


When you choose an investment you should always have a goal for it, whether the goal is to save for retirement or to save a certain amount of money.


Investments should be considered at least medium- term commitments, with five years the minimum you should be looking to invest for. If you are going to need your money sooner than that, then you are best off keeping it in cash. This is because investing comes with a certain risk. There is always the risk that your money could be worth less than what you have committed to the investment upon it’s maturity.


However, typically the longer you invest for, the less likely you are to lose out. If you choose to invest for the short-term, and your investment performance drops, then you have very little time to recover, whereas if you invest for longer, your investment has time to recover and improve.



Investing for children


Research has shown that the average cost of bringing up a child to the age of 18 is now almost £70,000. Then of course when they reach that age there’s the rising costs of further education to consider and add to the equation. One advantage in terms of investing for your children is that, if you start saving early enough, you can usually take a longer term view of your investments.


This could potentially provide you with a very substantial savings pot for your children. Here are some options for saving for children:


- Junior ISA
- Child tax-free savings accounts
- NS&I children’s bonus bonds



Investment help and advice for you


Investing is wise when looking at your long-term financial security, but making the right investment choices is vital. You need to choose sensible investments in order to maximise the chance of them performing well. But picking the right investment can be confusing, and choosing the wrong investment, very expensive.


This means, unless you have an in-depth knowledge of investing, you are likely to have many questions. We offer help and advice to you, in order to help you make the right choice.



Share this..

Related stories

Financial Guides

Financial Calculators

Our useful calculators can help you get your finances in order:



Latest News

Blogs

Helpful new tax year facts that could affect you and your money


Blog | Seven helpful new 2016/2017 tax year facts that could affect you and your money. Our recent online blog shares a brief outline on how to stay up to date.


Read more

Useful Links

Popular Searches

Please Enter More Details

 
Enter More Details
Continue