Financial Adviser in Leicester: A Guide to Saving and Investing

If you are not sure whether you should be saving or investing, the answer is probably a combination of the two depending on your financial situation and your long-term financial goals.

Saving & Investing

As an independent financial adviser and a firm of Chartered Financial Planners in Leicester we work with our clients to ensure that they are planning for their short-term savings and long-term investments. We regularly advise our clients on saving and investing and help them to understand the difference between the two.

Savings

Saving is usually goal orientated, such as for a holiday, to make a large purchase or to a rainy day fund and involves putting money away in appropriate savings and investment plans to build a large sum. As an independent financial adviser in Leicester we can help you assess how much you can afford to save and the best financial product to hold the savings, e.g. Individual Savings Accounts.

When it comes to saving and investing, it is good practice to have at least three months’ essential outgoings saved to act as a cushion and cover your essential costs such as food, utility bills and mortgage in an emergency, such as loss of earnings of illness.

Investing

Investing is taking a sum of money with the aim of making it grow by investing the money into things that are likely to increase in value, such as stocks, property or shares in a fund. If you have saved a sum of money you may be starting to think whether you should invest that money into something that will potentially grow that amount beyond what is available to you through deposit and savings accounts.

Investing is what you can do with the savings you have created. As an investor you are taking a greater risk. Not only is the return on offer to you likely not to be fixed or guaranteed, the capital sum you invest may be at risk as well.

Although the risks may be higher so are the potential rewards, making investing an attractive option. It is always recommended to seek sound independent financial advice to safeguard yourself against investment risks where possible and limit the risk you are taking. As an independent financial adviser in Leicester, Castlegate can support and advise you on every aspect of saving and investing.

As an independent financial adviser in Leicester we work with our clients to ensure that they have the best savings and investing plans in place. There are a variety of financial products available for saving and investing. As a financial adviser in Leicester we can advise on:

  • National Savings and investment Products
  • Regular savings plans
  • ISAs
  • Equities
  • Unit Trusts
  • Open ended investment companies
  • Discretionary investment management services
  • Investment Trusts
  • Fixed Interest
  • Guaranteed & structured investments
  • Pensions
  • Onshore and offshore Investment Bonds
  • Offshore Collectives
  • Junior ISAs
  • Venture capital trusts
  • Enterprise Investment Schemes

If you are looking for a financial adviser in Leicester or the surrounding areas, please do not hesitate to get in touch to talk about the most appropriate financial products for your personal circumstances.

Speak to one of our trusted advisers today...

If you are looking for a financial adviser in Leicester and the surrounding areas, fill out the form below and one of our advisers will be in touch shortly...

Sending your message....

Who are Castlegate?

Castlegate Financial Management is one of the leading independent financial advisers in Lincoln.

Operating from its head office in Grantham it serves clients across the region, meeting with clients at their homes, business premises or at its sister business unit sites across the East Midlands.

Our capabilities and passion for the highest quality service mean you can enjoy the best of both worlds – dedicated personal service and tailored wealth solutions. Our services are available from 11 offices covering Lincolnshire, Leicestershire and Nottinghamshire to provide help and guidance to clients, irrespective of circumstances.

Whatever your financial requirements, be they corporate or personal affairs, Castlegate Financial Management offer fully independent advice from our team of experienced advisers.

The Castlegate Lincoln financial advice team

If you are looking for independent financial advice in Lincoln or the surrounding areas, please do not hesitate to get in touch to talk about the most appropriate financial products for your personal circumstances.