It is more important than ever before to ensure that you maximise your returns on your savings. To facilitate this, consideration has to be given to investment of capital.

Savings by their very nature achieve only a return of interest on capital, with no increase in capital value (the buying power). Whilst this may seem acceptable in the short term, it certainly will become an issue in the medium term as the capital value will diminish and therefore become a problem for anyone relying on the income to subsidise their day to day living. Furthermore, it is still a problem for anyone allowing the interest to accrue on the capital.

It is evidenced in the past that at best the interest accumulated will not maintain the capital value. Surely the purpose in the long term for your hard-earned capital is to appreciate in real terms? This is why it is important to invest in real assets, as they are arguably the only form of investment mechanism that will allow you to have capital growth and increasing income.

There is a bewildering array of options, funds etc. that are available in the market place, making the right choice and investing in the appropriate investments relevant to your risk profile is just as important as not investing at all.

There are various products and providers in the market place to choose from. It is of paramount importance that you have the knowledge to select the right deal that suits your own particular requirements. Failure to do this can not only mean getting a lower return but also a risk of capital.

ASC Financial Management will be able to make an assessment of your requirements and not only select the right product but also select the right provider for your needs.

Mortgages*
Most people have a mortgage of one form or another. There are dozens of lenders offering an array of options and deals. Which is the best option for you? How do you compare?

ASC Financial Management have a state of the art mortgage sourcing system to help us to advise you.

Delay no longer - call us now to arrange a consultation or simply complete our enquiry form.

ISAs
An ISA is an investment in its own right - think of it as a 'wrapper' into which you can place your chosen investment. This 'wrapper' protects your chosen investment from income and capital gains investment. Anyone over 18 who is a U.K. resident can invest in an ISA.

Who is offering the best ISA?
So much choice and so many options, which do you, turn to? Again, at ASC we can be invaluable in sourcing and advising you on the right deal.

With Profits Bond
As exciting as a stock market and as boring as a building society. When building an investment portfolio a proper balance has to be achieved between risk and reward. It's the classic scenario: Investing too much cash in cash. It feels safe, but poorer returns eat away at their relative wealth.

Investing in a With Profits Bond aims to get over this problem and is only a small step up the risk ladder from a building society account. However, access to the stock market in the long term, can mean greater rewards.

Source: Life and Pensions Moneyfacts October 2000, and Lipper.

Other examples of investment products include: Unit Trusts, Capital Investment Bonds,Teps, and Investment Trusts.

As you can see the options are considerable. Please call us now to arrange a consultation or simply complete our enquiry form. It pays to seek independent and impartial advise.