Investment Planning

You pays your money and you takes your choice. - Punch (1846)

And what a choice!

Many people find investment planning a daunting prospect, not knowing where to start or where to go.

Deciding on whether you need to invest for income or for growth is usually a good start, or maybe a combination of both. Determining your attitude to risk, normally referred to as your 'investment risk profile' can easily remove many types of investments from the choices available, and will give us a good indication of investments that you will feel comfortable with.

Using suitable investments that have tax advantages might be the next stage; such as ISAs, National Savings and Friendly Societies. The use of personal tax allowances can also frequently assist in improving net investment returns.

This area of advice quite clearly demands independent financial advice

(The FSA does not regulate National Savings Products).