Savings & Investment

Having the correct tailored investment strategy, along with an understanding of your willingness to take risks when you are investing, is crucial to ensure your chance of meeting those lifestyle goals.

Savings & Investments

Plan for your future with savings, investments & ISA’s

When presented with the opportunity to invest either a regular monthly / annual amount out of income or a one off lump sum from accrued capital, there are a substantial number of options available. Equally there is a similar degree of choice when it comes to a company investing out of ongoing or retained profit. So much so that the easiest thing to do is to do nothing, leaving it simply to sit in what is often, particularly in the current climate, a low interest bearing bank or building society account or worse a nil interest bearing current account.

Whilst cash can offer some benefits to investors, and indeed regularly plays a part to a lesser or greater extent in our clients’ portfolios, as a long term strategy this could be considered detrimental.

There are a number of factors that need to be considered when considering an alternative investment: –

What is your objective and when might you need the funds?

This will revolve around whether the investment is for income or growth, whether access is required, how long am I prepared to invest for and perhaps whether more complex planning is involved, typically Income Tax, Capital Gains Tax (CGT) or Inheritance Tax (IHT) Planning.

What is your attitude to investment risk?

How risk averse are you and what is your view of volatility? How do you feel about your money reducing in value at times?

What investment vehicle/wrapper is the most appropriate for my circumstances?

You may clearly be able to answer and elaborate on the first issue. However, with regards to investment risk and to which type of medium you should invest through, these are not so easily determinable. We consider this to be an area where professional and independent financial advice is imperative.

Not only is advice important at the outset but also on an ongoing basis. It is crucial to monitor and review and form of investment to ensure it remains on track to meet your objectives and remains wholly appropriate to your continuing tolerance to investment risk, which often changes depending on personal circumstances, the timeframe involved and of course with age.

Our advice is tailored specifically to individual circumstances but covers a broad range of investment options such as cash deposit accounts, unit trusts, open ended investment companies (OEICs), Individual Savings Accounts (ISAs),General Investment Account (GIA) and premium investment bonds. Tax treatment is dependent upon individual circumstances and may be subject to change in the future.

The use of a variety of investment related trusts can be considered where specific tax planning needs dictate.

The value of your investment and any income from it may go down as well as up. You may not get back the original amount you invested.

We would welcome the opportunity to discuss investment planning opportunities with you. Contact us now for a free informal chat.

Contact Us

Pre-Retirement Pension Planning
In-Retirement Pension Planning
Savings & Investments
Personal Financial Protection
Tax Planning


Working with the UK's leading providers


MPI Financial Ltd is regulated by the Financial Conduct Authority (FCA) No 949588
Registered office address: 88 Mendip Avenue, Eastbourne, East Sussex BN23 8ER.  ICO certificate of registration reference: ZB200827.
Eastbourne office address: 12 Station Road, Eastbourne, East Sussex, BN21 4RG

Camberley office: Sentry House, 110E Frimley Rd, Camberley GU15 2QN

Worthing office: The Mill Building, 31 Chatsworth Rd, Worthing BN11 1LY By leaving the site of MPI Financial cannot be held responsible for the content of external websites)

In the event that you are dissatisfied with a recommendation we have made you may be entitled to make a complaint. We have a complaints procedure that is available on request. If you wish to register a complaint, please contact us: In writing: The Compliance Director, 88 Mendip Avenue, Eastbourne, East Sussex BN23 8ER. If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service (FOS). You can find out how to do this at the FOS' website Financial Ombudsman Service ('FOS') at ( By leaving the site of MPI Financial, MPI Financial cannot be held responsible for the content of external websites) or by contacting the FOS on 0800 023 4567*

*Calls from a BT line are charged at your calling plan's standard network rate. Mobile and other providers' charges may vary