growing your savings
We don’t know what the future will bring, we just know we want to be prepared for it when it happens.
At Sapphire Financial Planning we can put together a plan for you, explaining how best to use the money you have available.
You may want to put money aside each month, or have a lump sum from an inheritance, a pension plan or another investment plan which has paid out.
You want to know your money will continue to be looked after and it will continue to work hard for you.
Let us share some of our time with you and you will receive a personal plan explaining what is best for you.
If you’re looking for more information right now then please read on.
These are some of the facts we take into account when developing a personal plan for you.
Click on the questions to find our reply…
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The investment type which will best help you achieve your goals?
We take into account many things, including much you want to save and for how long. When you will need to access your savings and how we can make them tax efficient for you.
At Sapphire Financial Planning we can give you a personal plan explaining what your options are and what is best for you.
How to minimise money taken by HMRC?
This can be done through a combination of seeing what tax efficient ways to save are available to you and working out the best timing to make your savings, whilst always ensuring your savings available able to you when you need them
At Sapphire Financial Planning we can give you a personal plan explaining what your options are and what is best for you.
What your savings could be worth in the future?
If you have a goal in mind we can advise you how much you need to save to achieve this. If you simply want to know what your savings might be worth in the future we can help with this too.
At Sapphire Financial Planning we can give you a personal plan explaining what your options are and what is best for you.
If there’s a best time for you to invest your money?
We can help you plan when is the best time for you, which may be before the end of a tax year, or waiting for the new tax year to start.
At Sapphire Financial Planning we can give you a personal plan explaining what your options are and what is best for you
The value of an investment with St. James’s Place will be directly linked to the performance of the funds you select and the value can therefore go down as well as up. You may get back less than you invested. An investment in equities does not provide the security of capital associated with a deposit account with a bank or building society.
The levels and bases of taxation and reliefs from taxation can change at any time. The value of any tax relief depends on individual circumstances.
The Partner Practice is an Appointed Representative of and represents only St. James’s Place Wealth Management plc (which is authorised and regulated by the Financial Conduct Authority) for the purpose of advising solely on the group’s wealth management products and services, more details of which are set out on the group’s website www.sjp.co.uk/products. The ‘St. James’s Place Partnership’ and the title ‘Partner Practice’ are marketing terms used to describe St. James’s Place representatives.