Ordinary Savings

If you were asked what other options there are other than bank deposit accounts for saving and investing your hard earned cash, most people would probably be able to suggest Individual Savings accounts and some would suggest stocks and shares

How much do you know about the New Individual Savings Accounts (NISA) and how would you go about investing in the stock market? Does that mean that you would have to put all your money at risk?

If you don't know, you can be pretty sure that you won't be alone in that, and a lot of people do not know where to go to get advice on their options. Investing money does not mean having to risk it all. Our priority is to help you understand what the options are and whether and how they can compliment Ordinary Savings accounts. We can guide you as to whether they are appropriate for you, taking into account many factors.

Unit Trusts & OIECS

Collective investments, where you money is invested in units with other peoples and the funds then managed by professional managers. These can compliment other Ordinary Savings such as Individual Savings Accounts (ISA's) and basic interest bearing savings accounts.

They are not suitable for everyone, but this will become apparent as a detailed fact find will establish your needs and objectives as well as your tolerance and capacity for risk and

Investment Bonds

Both onshore and offshore, these again are not for everyone, but provide an alternative for the investor to consider.

Structured Investments

A riskier investment that should be very carefully considered before entering into. Because of their nature, there is a limit on how much an individual can invest in one of these as a percentage of their investment portfolio.

They take the form of either a structured deposit, where there is the protection of the Financial Services Compensation Scheme, or a Structured Product, which because of the nature of the underlying security does not have the same level of protection.

An alternative could be to visit the National Savings site at www.nsandi.com