Most people ask this question and in some cases the answer is that maybe they do not need to invest but there are some facts which must first be considered:
We are all living and working longer. Our money needs to last longer and work harder for us. We can work out how much you need to invest and how much of a return you require to achieve a secure future. So what should we do? Should we hoard our money under the bed? Leave it on deposit in the bank or building society? Invest in the stockmarket?
If you think of your money in terms of food storage: some it you'll keep in your larder for immediate consumption, some of it will be in the fridge for medium term needs and more will be kept in the freezer for long term usage. We do not operate a one size fits all approach savings and investments. Your savings and investment portfolio will be tailored to your needs.
“David is a detailed and professional financial adviser. After working with David for over a year I would be happy to recommend David to anyone.”
Jamie Sexton, Partner at True Potential LLP, March, 2012