Investment Planning

Provided by Skipton Building Society

Don’t worry about the future, plan for it.

In a world where interest rates are low and the cost of living is rising, saving over the long-term has never been more challenging.

The good news is there are other options that could be more appropriate for you – such as placing your money into stock market-based investments.

Whilst savings accounts remain the best avenue for short-term financial needs, if you’re saving over the long-term (ie for retirement or your child’s education), investing has greater potential to get your money working harder over the long run. And ultimately, help you achieve the returns you need.

However, if you’re considering this route there are certain things you should know. As investing exposes your capital to risk, your investments could fall as well as rise. In addition, you need to commit your money for at least five years.

Indeed more complexities are involved with investing – and as there are thousands of investment products on the market, it can be difficult knowing which route to take. This is why speaking to an expert could prove highly valuable. They can make your investment journey easier, help you with any difficult decisions, and provide you with a greater chance of achieving what you want from your money.

How we can help you

We understand investing isn’t the most straight-forward route – but the decisions you make could heavily influence your financial future. This is why we’re here.

After taking the time to get to know you – listening to what you hope to achieve with your money and discussing your circumstances – we can devise a personalised investment strategy and offer recommendations for you to consider.

If you already have investments…

Do you have existing investments and are unsure how they’re performing? Has it been a while since you last reviewed them?

Keeping tabs on your savings and investments can be hard – especially if you lead a relatively busy lifestyle.

Yet so much can happen over time (such as changes to your personal circumstances, that could significantly impact on your financial plans.

By reviewing your finances every now and again, you may be able to make any important adjustments in good time – which could make such a positive difference to your financial future.

We’re here to help you establish if your plans are on track. You can meet with one of our advisers, who will take a look at your portfolio in order to review whether it’s still suitably positioned. If we identify a need for change, we can go through other options for you to consider in clear and honest terms.

Please remember that stock market-based investments are not like bank and building society savings accounts as your capital is at risk and you may get back less than you invested. The value of your investments and any income from them may fall as well as rise‚Äč.