Savings Details

There are thousands of savings products, which options are best for you?

The choices become easier once the majority of savings options are grouped into two categories.

A selection from both categories can be combined to provide a balanced savings plan.

The choice should take into account your financial requirements and risk profile.

The two main savings categories are.

EXAMPLES

SUITABLE FOR

RISKS

VARIABLE INTEREST
WITH

FIXED CAPITAL

Bank or Building Society
deposits
and National Savings

Easy access short term saving

Interest can be volatile, a rate drop from 4% to 3% is a 25% reduction.
The value of savings can be eroded by inflation. Investor protection is limited to £50,000.

VARIABLE INTEREST
With
VARIABLE CAPITAL

Shares, Unit Trusts,
OEICs, Investment Trusts and commercial property funds.

Long term savers, seeking the potential of capital appreciation.

The value of your savings can fall as well as rise, returns may be volatile.

THE VALUE OF INVESTMENTS CAN GO DOWN AS WELL AS UP.
PAST PERFORMANCE IS NOT A GUIDE TO FUTURE PERFORMANCE.

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