Savings and Investments

Whether from the sale of a property, an inheritance, or savings that you have built up over a number of years; your money should be wisely invested, so that its spending power is protected and enhanced for the future. Leaving large amounts of money on deposit in banks or building societies may not be the long-term answer.  Recent years have seen interest rates being reduced sharply, and deposit accounts may not now be keeping the real value of money in line with changes in retail prices, particularly after tax is deducted on the interest.

Many people recognise that to achieve better long-term protection for their money against the effects of inflation, it is often worth considering 'asset-backed' investments. If you purchase asset-backed investments, you are actually taking ownership of a proportion of the assets within which you invest. This is different to deposit-based investments where you receive interest on money that you have loaned to the bank or building society with which you have deposited the money.

The variety of asset-backed investments is vast. You can invest in anything from loans to the British Government, to property and worldwide stocks and shares. Importantly, whatever assets you invest in, must match your attitude to risk. At Atlantic Coast Associates we specialise in building portfolios of investments designed to provide our clients with the potential for long-term growth whilst minimising risks. Whether you consider your attitude to risk as being very cautious, or quite adventurous, a portfolio can be constructed to match your needs.

As Independent Financial Advisers, Atlantic Coast Associates are able to advise on investments from the whole market, including ISAs, Unit Trusts, Investment Bonds, and Inheritance Tax Planning products. We are also pleased to be able to assist our clients in their plans to accumulate wealth by regular saving in tax efficient environments.

If you are considering asset-backed investments, you should be aware that the value of your investments and any income generated from them can fall as well as rise and that you may get back less than you invested. Past performance is no guide to future performance.

If you need an explanation of the risks involved with any savings or investment plan simply contact us to arrange for a free initial consultation or quotation on 01872 571868 for the Perranporth office or 01726 871150 for St. Austell. Alternatively complete our contact form and one of our Advisers will contact you shortly.