Invest for the future you deserve
We believe planning for your financial future is one of the best investments you can make. Whether you're looking to invest your money to buy a house or save for your retirement, we aim to help you build your long-term wealth in the most tax efficient way. Whatever your goals, a financial plan could help you achieve them.
Our specialist advisers are here to help you with financial planning and investment advice when you need it.
24% of 18-34 year olds are more focused on planning for the future since the pandemic*
63% of 35 – 54 year olds are not confident that they’ll have enough money for the future*
86% of 35 – 54 year olds don’t think that having investments looked after is a priority*
48% of people admitted that their financial situation causes them stress*
Should I save or invest?
When it comes to saving money, keeping your cash in the bank can seem like the safest option. But over the long term, if the rate of inflation (how fast the prices of goods/services increase) exceeds the bank’s interest rate (what the bank pays you for holding your cash with them), then keeping it in the bank means the value of your savings will actually go down in real terms.
While having some of your cash in a bank to cover unexpected expenses is sensible, it is important to consider the impact of inflation when making decisions about your savings over the long term.
Alternatively, you could consider investing in the stock market. But are you too scared to invest?
There is no guarantee by investing money it will keep level or beat inflation, particularly when inflation is high.
*Source: Schroders Personal Wealth Money and Mind Report, September 2020
Let us help you with your investments
The value of financial advice
Our specialists can tailor investment solutions to suit your individual goals, and provide ongoing support to ensure that as your goals change, so do your investments. We have highly trained advisers and exclusive investment solutions, provided by Schroders, to drive our investment returns.
The benefit of regular savings
Investing isn’t just for the wealthy. Anyone can invest and you don’t need hundreds of thousands of pounds lying around to start today. Investing little and often is also a great way of ensuring that savings remain a priority in your regular budgeting if you can afford to do so.
Protection from financial shocks
Protection is an important part of a long and short term financial strategy. Our advisers will pair robust protection policies, where appropriate, with an allotted amount of emergency savings to give you peace of mind that, should the unexpected happen, you and your loved ones will be taken care of.
Past performance is not a reliable indicator of future results. The value of investments and the income from them can fall as well as rise and are not guaranteed.
To invest, or not to invest?
If you had placed £10,000 in a bank account that paid an interest rate of 0.5% per annum 10 years ago, your £10,000 would have grown to £10,500. If the rate of inflation had been 2.7% over the same period, your £10,000 would have had to have grown to £13,000 in order to be able to buy the same amount of goods and services now as 10 years ago. In real terms, the purchasing power of your savings would have decreased by £2,500.
This chart illustrates how investing in shares has the potential to give a better return than cash in the bank over the longer term. If you invested £10,000 in the shares of UK-listed companies 10 years ago, this would now be worth almost £18,000. Taking the rate of inflation into account, the purchasing power of your initial £10,000 would have increased by £5,000.
There is no guarantee by investing money it will keep level or beat inflation, particularly when inflation is high.
You should consider the pros and cons of savings vs investing. Savings have minimal risk and can be there for your short time needs or used as emergency funds as well as any planned spending. They still have the potential to grow steadily but could be affected if the rate of return is lower than inflation as shown in the chart above.
Investing by contrast aims to accumulate money for longer term goals however generally it comes with more risk. Investments tend not to be as accessible as cash and the value of them and income from them can fall as well as rise and are not guaranteed.
Both deposits and investments are each protected up to a total of £85,000 per firm by the Financial Services Compensation Scheme (FSCS).
Our specialist financial advisers can help you to invest for your future
Self-Invested Personal Penson (SIPP)
A SIPP lets you do more with your money. It gives you control over your investments with flexibility over when and how much you invest in your pension. A SIPP is also a tax efficient way to save for your future as your contributions will receive tax relief at your marginal rate.
Individual Savings Account (ISA)
An ISA is a way of investing your money in a tax efficient manner. You can save up to your ISA allowance each year (currently £20,000) and any growth, returns or interest you earn are tax-free. You can also withdraw funds at any time without incurring a penalty.
General Investment Account (GIA)
A GIA offers a way of investing more money once you've reached your annual ISA allowance. Whilst there are no tax benefits, you can contribute as much as you like with a wide choice of investment options and the flexibility to make regular withdrawals.
Tax treatment depends on individual circumstances and may be subject to change in the future.
The value of investments and the income from them can fall as well as rise and are not guaranteed. The investor might not get back their initial investment.
Do you have children or grandchildren?
Do you want to give them a financial head start in life? At Schroders Personal Wealth we can help you to choose the right solution to aim to build a nest egg for your children which they’ll likely thank you for in years to come.
Understanding more about investing for your future: Wealth lens
Tactics for tax efficient saving
When we invest we’re setting aside something today in the hope that it will benefit us even more in the future. In financial terms, success depends on all kinds of factors: What will you invest in? How much? Will your investment grow? How much will you pay in management fees and taxes?
I’ve got spare cash at the end of the month. What should I do with it?
For some, the lockdown has seen a surprising uplift in disposable incomes. There are many things you could do with the extra money. How about using it to plan for the future?
Frequently asked questions about investing for your future
How much should I invest?
There is no right or wrong answer for how much you should invest for your future. It really depends on your financial goals, current situation and willingness to take risk.
As a rule, it’s a good idea to have a safety net in the form of savings of at least three months’ earnings before you consider investing any money.
Our advisers will get to know you and establish how much should and could be invested for you. You may want to start investing a little and often to give you an understanding of how different investments perform. As your confidence grows, so potentially could the amount you choose to invest.
How long should I invest for?
You should view investing as a long-term commitment, rather than a short-term plan to get rich quick.
Ideally, you should leave your money in an investment for at least five years to give it enough time to grow. Over the course of 5 years, your investment will also ride the ups and downs of the market therefore minimising your expose to potential losses.
What kind of investment account do I need?
Our specialist advisers will get to know you, your financial situation, and your goals for the future. They’ll use this information to create a personalised financial plan with recommendations for products and services that suit your needs and appetite for taking risk.
Let's start with a free initial consultation
We'll begin with a free, no obligation conversation to understand if our service is right for you. There are no hidden fees or charges, and you’ll only pay if you choose to go ahead with the recommendations in your personalised financial plan.