Savings and Investments

Savings and Investments

Perhaps you want to save for a rainy day, or holidays or grandchildren, or even towards your retirement and any long terms plans you may have. Perhaps you are looking to obtain a better return from your existing investments or investing for the first time and need advice on the best way forward.

Either way Spectrum Independent can provide you with a full investment review and analysis with ongoing reviews to ensure you are kept abreast of changes in the market and make the necessary adjustments if your circumstances or goals change.

For most people, when making an investment, or saving on a regular basis, their primary concern is to ensure that they are getting a good return on their investments with a level of risk they feel comfortable and happy about. The risk you are prepared to accept balanced with the potential return is an important aspect of your investment that always needs to be taken into account

To achieve a good level of return and to protect your investments against the ravages of inflation it is necessary to invest on a medium to long term view. At our initial advice meeting we will be able to identify your financial objectives for investing; whether it is to provide an income, growth on your investment or a combination of income and growth. Part of this process is for Spectrum Independent to understand your attitude to investing and for us to identify the different types of investments that would be suitable.

Savings and Investment products range from a simple Bank or Building Society current or deposit account, or traditional Endowment Policy to investing in company shares. Based on many years experience we have produced an investment process to help with the recommendations we make and we can provide advice and guidance on many products including the following: Deposit Savings, National Savings & Investments, Children’s Savings Plans, Individual Savings Accounts (ISA’s), Collective Investments (OEICs & Unit Trusts) Investment bonds, Investment Trusts.

When you are considering investing it is important to remember that the value of your investment and the income generated could fall as well as rise and that there is no guarantee you will get back more than you invested