Savings & Investment

Savings & Investment plans for both the medium and long term investor can prove limited, especially in low interest rate environments. We compare all leading providers, with options to suit all lump sum investors and regular savers, with a focus on your personal goals.

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Savings & Investments top-tips
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Savings & Investments top-tips

  1. You should always try to hold some of your money as cash, but if you keep all of it in a deposit account, inflation can eat away at it – especially when interest rates are low.
  2. You must ensure that any investment you make matches your attitude to risk.
  3. You should be aware that early encashment, or withdrawal will often incur encashment penalties.
  4. The value of investments can go down as well as up.


Savings & Investment

We Make It Simple, is committed to making Savings & Investment simple.

We offer specialist advice to individuals seeking to set up, or review their existing savings and investments, with our services extending to:

  • Educational Savings Plans
  • Regular Savings Plans
  • Medium Term Investment Bonds

Many people have money sitting in deposit accounts earning very little, or worse still no interest with inflation considered.

But how and where should you invest? What options are out? can help you define your saving & investment goals and risk appetite, before advising on a range of options to put your money to work. Our investment advisory service includes continuous updates, with initial and follow up consultations as standard.

Whether regular or lump sum savings, for long term goal including children’s educational savings plans, 100% of your money is invested on day one and a full range of options are made available in terms of investment term, and asset type.

Savings & Investment – Things to consider

What’s the recommended minimum savings and investment term of the product?
Some products may be suitable for short-term investment, while others may require you to take a longer-term view.

What kind of access will I have to my money?
Some products offer immediate access, while others may lock up your money for a particular period.

Does this product provide an income or capital growth?
Some products maybe geared to provide regular income along the way, while others provide the opportunity for capital growth.

What is the associated investment risk?
Some products may guarantee to return your full investment while others may involve a risk of getting back less than you put in.

How will my returns be taxed?
The income and/or capital gain you earn maybe taxed in different ways, depending on the type of product. For example, deposit interest may be subject to Deposit Interest Retention Tax (DIRT) while gains from life assurance savings and investment policies are subject to an ‘exit tax’ deduction before payment to you.

Savings & Investment

Investment Risk

Past performance is not a reliable guide to future performance. The value of your investments can go down as well as up and you may lose some, or all the money you invest, should you make the wrong investment decisions. Investments denominated in a currency other than your base currency may be affected by changes in currency exchange rates. You should always seek professional investment advice before investing, match your risk profile to the underlying investment assets and conduct regular reviews.

For a better understanding of your Savings & Investment Options, call One Quote on: 01 845 0049 or email [email protected]

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