Savings & Investments

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saving for a rainy day

“Making the most of your money”

It’s never too early to start planning for the future or start a fund to pay for those all important big life events. What’s a suitable way to save or invest, for you?

ISAs? Junior ISAs? Fixed interest investments? Unit trusts? Investment bonds?

Putting a personal finance plan in place is a good idea at any age. There are so many savings and investments solutions out there to choose from, it’s sometimes difficult to know which one is the right choice for you. That’s where Ewing Associates can help.

Savings

“Saving money” and “investing money” are two different things. Saving money means putting it away in a bank or building society with relatively low risk. Usually, you’ll get some interest on top, and can access your money whenever you want it depending on the terms of the account.

Short term savings and long term savings may require different solutions. Depending on your financial capabilities and when you’re likely to require access to your savings we can offer advice on suitable savings options to suit your needs.

future savings

Investments

An investment means taking more risks with your money with the goal of increasing its value faster and higher than savings in a bank would. However, it’s important to know that the value of an investment can go down as well as up. You might not get back what you put in and you may have to tie your money up and not be able to access it for several years.

Ewing Associates will help you decide what level of risk you are happy with and over what term and give guidance on your investments. It’s important to remember that the value of investments, and any income from them, can go down and you may not always get back the original amount invested.

We can help you find tax efficient options and products that could give you an income over time. Have a chat with one of our friendly Financial Planners today.

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For more information or to arrange a meeting, contact us.

HM Revenue and Customs practice and the law relating to taxation are complex and subject to individual circumstances and changes which cannot be foreseen.