Building Emergency Funds
Keep 3–6 months’ expenses in instant access cash accounts before committing higher-risk investments. This foundation provides security and peace of mind for taking investment risk elsewhere.
Investment Overview
Watching your savings lose value to inflation whilst sitting in cash feels frustrating. We help you understand your investment options and find approaches that could protect and grow your wealth over time.
Equity based investments do not afford the same capital security as a deposit account.
The levels, bases and reliefs from taxation are subject to the individual circumstances of the investor and may be subject to change.
This information is for guidance only and does not constitute financial advice.
Investment Overview Guide
When cash isn’t working for your future
You’ve saved diligently, watching your balance grow month by month. But inflation quietly eats away at what that money can actually buy, whilst investment returns could help your wealth grow ahead of rising costs.
Understanding your options doesn’t mean taking wild risks – it means making informed choices about protecting the purchasing power you’ve worked so hard to build.
Main investment categories available:
- Cash and deposit accounts offering security and immediate access but limited growth potential
- Government bonds providing guaranteed returns backed by the UK Treasury with fixed interest payments
- Company shares giving ownership stakes in real businesses with potential for dividends and capital growth
- Investment funds spreading risk across hundreds of companies through professional management
- Tax-efficient wrappers like ISAs protecting all growth and income from UK taxation
- Investment bonds combining life insurance with flexible access and tax-deferred growth
Higher potential returns typically come with higher risk of losing money. Government bonds offer security but modest returns, whilst shares can provide substantial growth but with more volatility.
Investment funds give you access to professional portfolio managers who make daily decisions, whilst direct share ownership puts you in control but requires more research and time.
ISAs shelter investments from all UK taxes on growth and income. Using your £20,000 annual allowance can save thousands in tax over decades of investing.
Money needed within five years typically belongs in cash or bonds for security. Longer-term goals can benefit from higher-growth investments that have time to recover from short-term volatility.
Common investment approaches for different situations
Diversified Portfolio Building
Spreading money across different asset types, countries, and companies reduces risk while maintaining growth potential. Funds make diversification accessible for smaller investment amounts.
Regular Investment Plans
Investing fixed amounts monthly smooths out price volatility and builds wealth gradually. This approach removes the pressure of timing markets and creates disciplined wealth-building habits.
Tax-Efficient Wealth Building
ISAs eliminate tax on investment returns completely. Pensions provide tax relief on contributions and build retirement wealth. Both should be maximised before using taxable accounts.
An ISA is a medium to long term investment, which aims to increase the value of the money you invest for growth or income or both. The value of your investments and any income from them can fall as well as rise. You may not get back the amount you invested.
HM Revenue and Customs practice and the law relating to taxation are complex and subject to individual circumstances and changes which cannot be foreseen.
How we help
We understand that financial decisions feel heavy because they affect everything that matters to you. Our job is to make them lighter, clearer and easier.
Testimonials
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We've helped thousands understand investing and build portfolios that balance growth potential with their need for security.
How can we help with your investment journey?
Find the right approach for your goals and timeline
We'll help you understand what's available and build something that fits your circumstances and comfort level.