Saving for Your Future
Whatever you’re saving for we can advise on a range of investment and savings options that could help you to meet your goals. Investments are designed to be held for a longer term, usually at least 5 years. You need to be comfortable with your money being invested and should not consider investments unless you have some savings in place to cover an emergency.
Most investments are not guaranteed to return your money in full, although do offer the prospect of potentially higher returns than deposit accounts. Returns, risk and volatility are the factors that will determine a suitable place for your investments.
Simpler & safer investing
We use a range of funds and portfolios, investing this way can be easier and less risky than buying shares in individual companies direct, and there are lots of funds to choose from.
The funds and portfolio’s we use invest in a diverse range, with different strategies that are aligned to your objective, attitude to risk and capacity for loss. We recommend getting financial advice due to the wide variety of options available to a retail investor.
Please remember the value of investments and any income can go down as well as up and you may get back less than you invest.
Cash in Current & Savings Accounts
Holding cash in a deposit or savings account can feel safe, but it is important to understand that it can be exposed to inflation risk.
Inflation risk refers to the possibility that the rising cost of living erodes the real value of money over time.
If the interest earned on cash is lower than the rate of inflation, the purchasing power of that cash effectively falls, even though the balance appears unchanged.
In addition, interest earned on savings may be subject to tax, and with the Personal Savings Allowance having been reduced or fully used by some savers, more people are finding that a portion of their interest is taxable, further reducing returns.
Cash still plays a vital role in financial planning. Keeping an accessible emergency fund is essential to cover unexpected expenses or short‑term needs without being forced to sell investments at an inconvenient time. The key is striking the right balance between holding sufficient cash for security and emergencies, while ensuring longer‑term money is positioned appropriately to protect its value over time.
Parker Kelly can help you look at options and explore fixed returned investments that are low risk however provide higher returns that most current and savings accounts. We can also manage cash assets for vulnerable clients to help protect against scams.
Investment Accounts in the North West & across the UK?
Get in touch with our team to arrange your initial consultation.
We cover the following areas in the North West:
We operate throughout the UK. Get in touch with our team to arrange your initial consultation.