Investments

Cash deposits are useful for holding emergency monies for short periods of time, but inflation erodes the value of cash over the medium and long term meaning cash is not actually as safe as many people believe. Moreover cash savings accounts currently provide poor value for money.

Of course, cash has it's place, but with inflation close to zero, many people are reassessing their actual need for instant access cash, and allocating more capital to purchase ‘real assets’ that have a chance of growth. This means decisions need to be made about how and where to invest, but investing in the current environment presents a number of challenges.

The choice of retail investment options is diverse, including:

NISAs (Cash and Stocks & Shares)
OEICs & Unit Trusts (General Investment Accounts)
Investment Bonds (on and offshore)
VCT (Venture Capital Trust)
EIS (Enterprise Investment Scheme)
BPR (Business Property Relief schemes)
Structured Investment Products (Deposit or Capital at Risk)

Furthermore, there are many ways in which you can choose to invest your money:

Passively Managed Funds
Actively Managed Funds
Guaranteed Funds
With Profit Funds (WP)
Multi-Manager Funds
Single Sector Funds
Governed Portfolio Strategies (GPS)
Model Portfolio Services (MPS)
Discretionary Fund Management (DFM)
Exchange Traded Funds (ETF)

Here at Sapphire Wealth Management, we can help you understand and make sense of what is best for you. To do this we will spend time getting to know you first.

General information on investments can be found at www.moneyadviceservice.org.uk - by clicking this link, you will open a new window of which Sapphire Wealth Management is not responsible for the content.

Investments

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