Simply investments

Clients who have money sitting on deposit

Inflation means your client’s savings will buy much less in the future than now. But there are ways to try to get a higher return to counter inflation – and find out how long it will take. Read our leaflet Is your money working hard enough? for more information.

It’s commonly thought that bank and building society accounts provide a steady, defined return. But there are two things investors might not realise. Our leaflet Look beyond the headline rate leaflet tells you more.

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Clients who like to invest in property

Investing in property has become increasingly popular over the last few years. But is it right for your client? Have they thought about investment bonds? Read our leaflet Property versus investment bond for a comparison.

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Clients who are concerned about market volatility

When markets are volatile, investors can be tempted to get out and re-invest when performance improves. But that isn’t necessarily the best course of action. Read our Take a long-term view to investing leaflet to see how investing for the long-term can pay off.

At times when the markets are unsettled, it’s only natural for investors to be concerned about the value of their investments. But they should remember that investing in shares is a long-term commitment. Our leaflet Crisis? What Crisis? shows just how shares have performed through some of the major events of the past 25 years.

Market volatility can make clients nervous about investing in the stock market. But should they ignore the long-term growth potential of the stock market in times like these? Our leaflet Offering you peace of mind explores how investors can invest in markets while times are turbulent and still keep some peace of mind.

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Clients who are concerned about tax

While Personal Equity Plans (PEPs) and Individual Savings Accounts (ISAs) are free of income tax and capital gains tax, they can give rise to inheritance tax. Read our When is tax-free not tax-free? leaflet to find out if your client’s tax-free savings really are tax-free.

Your clients don’t have to be tied down with tax – there are things they can do to get a greater choice over how much they pay and when. Read more about it in our leaflet Stay in control of your tax.

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Clients who are generally unsure of investing

Some people think investing is complex and only for the financially astute but a good understanding of the basics could help – our guide Fundamentals of investing will give just that. It covers asset classes, collective investments, diversification, risk and fund type.

It can be easy for your clients to get confused by jargon. Our Investment terms explained leaflet will help them understand some of the commonly used investment terms.

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Clients who don’t understand why it’s important to review existing investments

We’re all used to shopping around for the best deal these days. But while people regularly review utilities, car insurance or mobile phone tariff, they tend to let their investments look after themselves – and run the risk of losing money in the process. Read our leaflet Why review your investments for more information.

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Clients who want to know more about offshore investing

There’s a common misconception that offshore investments are either ‘dodgy’ or only for the really wealthy. Neither is true. As more and more investors recognise the tax and investment advantages, offshore bonds are becoming more of a mainstream investment. Our leaflet Why consider investing offshore? explains the benefits of offshore investing.

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Clients who aren’t sure how much risk they’re willing to take

The decisions we make in life aren’t always rational – emotions can play a big part too. And investment decisions are no exception. Our leaflet What makes an investor tick? gives you more information on what level of risk investors are willing to take.

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