Information about Investments

The Importance of Investments

Getting your finances into healthly shape, with funds available to meet unforeseen events, to pay education costs, to reduce or clear your mortgage balance or to support you in retirement, can increase your sense of security and freedom.

Of course, there will be times when saving money will be difficult, such as when bringing up children, but it is important to look ahead.

Saving a little out of your income or investing lump sums when they are there, all helps. Holding savings for a long time means they can mature in value too.

Investment Risk vs Reward

Investing involves taking calculated risks to increase your chance of obtaining higher returns on your investment, especially over the longer term.

There are numerous forms of investments, with each having their own level of risk. Some will be right for you, others won't. It depends on your attitude to risk (how much risk you are prepared to take) and what you ultimately desire your investments to achieve. There are no guarantees you will make money or even that you will get back the same amount you invested in the first place. Investments are different from savings – they are typically designed for the longer term and involve different types of risk.

When to Invest

Before investing, it is a good idea to have sorted out your debts, ascertained you’ve protected yourself against unforeseen events, built up some savings, and have a suitable pension in place. Once you have started investing, it’s advisable to spread your risk.

There are various types of investment so think about why you want to invest. Are you are looking for an investment to provide money for a specific purpose in the future? Do you want an investment to provide extra income?

What to do next

Although Moorgate Financial Services do not provide advice on investments, we work with trusted partners and can introduce you to an authorised and regulated Financial Adviser who specialises in this area. Simply get in touch with us now for more information about how our trusted partners can help you plan your investments wisely.