SAVINGS / investments

When it comes to saving or investing in the current climate there are two fundamental decisions to be considered.

• Where is my money invested?
• How safe is the institution in which it is invested?

The old reliable “money in the bank” is long gone, even state institutions are under certain threat. Despite this there are many options available, resulting in greater choice than ever before. So, before you invest that redundancy, inheritance or hard earned cash, talk to us. We will be happy to advise you on options from a Swiss bond to a Chinese equity and everything in between.

For those of you who want to save on a monthly basis, there are many options available to you too. Make sure you are making the most of your money and don’t leave it to chance.

Differences between savings and Investments:

• Saving: Putting money away for short-term needs, to afford things like holidays, weddings or a new car. If you are saving for the short term you will want to access the money at short notice, keep it safe and earn interest.
  
  
• Investing: Saving for the long term, growing your money for the future, for example your retirement or your children's education. Most investments involve an element of risk, but over the long term they tend to prove fruitful with better growth than saving or deposit accounts.