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Making best use of your capital & surplus income. Most people recognise that it is wise to save a part of their income on a regular basis, to achieve their short or long term goals or to meet future income needs. We can give you details of all savings opportunities, such as Unit or Investment Trusts and Life Assurance Endowment policies. One or more of these plans may be appropriate for your savings needs. However, these products are normally only suitable if you intend to save for a long period. All governments recognise how important it is to encourage people to save and they normally achieve this by offering tax incentives on a whole host of savings products. These incentives range from reduced levels of Income Tax on Deposit Accounts for most taxpayers through to tax efficient investment growth on products like ISAs. Equity based investments do not afford the same capital security as a deposit account. Risks As we all have different attitudes to risk it is important you decide for yourself what level of risk you are personally willing to take. There are three levels of risk associated with any type of investment or pension: None: current bank account, national savings, building society account. Low: with profit funds, gilt funds, fixed interest funds. Medium: unit linked funds, balance managed, UK growth, European growth, UK equity, property funds. High: smaller companies, emerging markets, Japan and Far East, specialist funds. A full explanation of the risks associated as well as the best type of fund for your circumstances can be discussed with one of our Independent Financial Advisers. The value of savings is determined by the value of units, the price of which can fall as well as rise. You may get back less than you originally invested, especially in the early years. For more information on savings then call us on 0845 291 1622 (Local Rate)

Registered as a Limited Company In England and Wales No. 3276760. Positive Solutions (Financial Services) Limited is regulated by the Financial Services Authority. The term "IFA Partner" is used in recognition of the shared values and principles in our organisation. Please note, however that IFA partners are not "partners" in the legal sense of the word. Neither our IFA Partners nor Positive Solutions will be liable as partners of a legal partnership. Read our Terms of Business. ~ Quantum Financial Stoke on Trent ~ Mortgages Stoke on Trent ~ Protection Stoke on Trent ~

SAVINGS

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