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Investing according to your financial circumstances

Your financial circumstances will change over time, but Enable’s IFAs in Bishop’s Stortford can help you alter how you invest to suit your changing financial circumstances. Whether that is investing a lump sum as when you have built up a reserve of savings or by investing a smaller amount in a monthly savings plan it is worth taking experienced advice to find the best saving plan for you.

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In order for your savings to grow in real terms over time, they need to earn a rate of return after tax that is greater than the rate of inflation. With low interest rate still in place finding a savings account that delivers a return above even the current very low inflation rates can be difficult. So it may be worth your while considering investments which have the potential to outperform inflation.

Historically, investments that carry some level of capital risk like defaulting corporate bonds, or declining share prices have ultimately rewarded their investors as a result but there is of course no guarantee of this. Barclays Equity Gilt Study 2013, a respected guide to investment returns published annually by Barclays for more than 50 years, show that since 1899, stocks and shares have a 67% chance of outperforming cash if held for two years, rising to 99% if held for 18 years. If you have a long time period in which to invest you may be happy with more risk but if you are approaching retirement you may be looking to invest more for income.

Investment portfolios can be designed to achieve different objectives as you go through life and as your attitudes change careful planning can tailor your portfolio to reflect your changing aims.

Issued by: Enable Independent Financial Life Planners 
25c North Street, Bishops Stortford, Herts CM23 2LD
Telephone: 01279 755950 – Fax: 01279 657339
 Enable Independent Financial Life Planners is a trading style of Enable Independent Limited is authorised and regulated by the Financial Conduct Authority.
It is important always to seek independent financial advice before making any decision regarding your finances. If you would like any assistance, please contact us.

Free Consultation

Call Enable FLP today on 01279 755 950 to book your FREE consultancy and to find out how we can make your money work better for you. Alternatively, send us a message by clicking here and one of our financial experts will call you back