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Investment help, advice and guide

Welcome to the 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.

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