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Savings & Investment Advice

We aim to maximise your savings and grow your wealth with tailored investment strategies designed to meet your unique financial goals. Our expert guidance helps you make informed decisions, securing a stronger financial future with solutions that work for you.
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What happens when you invest?

When you invest, your money is used to buy different types of assets, such as equities (company shares), bonds, property, and commodities such as gold and other natural resources. These assets are packaged together into funds and portfolios offered to investors by investment managers.

How long should you invest for?

It's important to understand that investing is a long-term commitment (typically 5-10 years).

Markets and the value of your investment can fluctuate in the short term, but in the long term it pays to remain invested, as your money can recover in value and make a return if markets go up.
It's important to note that the returns are never guaranteed. Investments are affected by what happens in the market, meaning that your investments will go up and down, and you could get back less than you invested.

Instead of investing, should you keep money in your cash or savings account?

Cash accounts from the bank or building society typically offer certain or near certain returns.

If your plans require a greater return than those offered by cash accounts, investing can be a good way to help you achieve them.

Whether you prefer a local adviser visiting you in person or a remote consultation by phone or video call, we tailor our service to meet your needs, wherever you are in the UK.

Why should you invest?

People invest for many reasons which help establish their financial goals. Some of the most common reasons you might invest include:
Build your wealth: Investing intelligently over time can create wealth, financial freedom, and security through various strategies, fostering prosperity and growth.
Live happily in retirement: Early strategic investing for retirement harnesses time and compounding - earning interest - potentially securing a worry-free, desired lifestyle in your golden years.
Generate an income: Investment generated income provides alternative earning, potentially safeguarding you against economic downturns and unforeseen life events.
Work towards a better future: Investing goes beyond profit. Responsible investment in sustainability, social justice, and the environment can leave a positive legacy for future generations.
Build generational wealth: Long-term investing can build generational wealth and a legacy to leave, allowing you to empower a prosperous future for your loved ones.

The power of investing

What would happen in 30 years if you invested £10,000 instead of holding your money as cash?

If you invested it

With just the average investment return of 5% per year adjusted for an annual inflation rate of 3%...
...the value of your £10,000 could increase to £17,806.
Over 30 years this means having an extra £7,806.
That's an increase of 78%

If you kept it as cash

With an annual inflation rate of 3% the spending power of your £10,000 reduces by 3% every year...
...your money will only be worth £4,120.
Over 30 years this means losing out on £5,880.
That's a decrease in value of 59%.
Source: Quilter as at 31 December 2024. Based on an average investment return of 5% and inflation of 3%, and cash held in a typical current account. The information provided is for information purposes only and doesn't represent the past performance of any particular investment.
The value of your investments can go down as well as up and you may not get back as much as you put in.

Our Savings & Investment Services

We offer a wide range of investment options tailored to your unique financial goals, whether you're looking to build long-term wealth, save for a specific target, or diversify your portfolio. Our expert advisers provide personalised advice, helping you navigate the investment landscape with confidence and clarity.

Bonds

Navigating the world of bonds can be complex, but we specialise in offering tailored solutions to meet your investment goals. Whether you're seeking secure, fixed-income opportunities or looking to diversify your portfolio, our expert advisers provide personalised recommendations to help you build a stable and balanced investment strategy.
Book your first appointment for free here > 

Junior ISA's

Investing for your child’s future can be a rewarding step, and we specialise in providing tailored Junior ISA solutions to help you grow their savings. Whether you’re looking for long-term growth or secure savings options, our expert advisers will guide you in choosing the most suitable Junior ISA to suit your goals and provide a strong financial foundation for your child’s future.
Book your first appointment for free here > 

ISA's

Aim to maximise your tax-advantaged savings with our tailored ISA solutions, designed to help you grow your wealth efficiently. Whether you're looking for a cash ISA or stocks and shares ISA, our expert advisers will guide you in selecting the most suitable ISA to meet your financial goals.
Book your first appointment for free here > 
ISA’s investors do not pay any personal tax on income or gains, but ISAs may pay unrecoverable tax on income from stocks and shares received by the ISA managers. Tax treatment varies according to individual circumstances and is subject to change.

Stocks and Shares ISAs invest in Corporate bonds; stocks and shares and other assets that fluctuate in value.

Off-Shore Collectives

Explore the benefits of offshore collectives with tailored solutions designed to help you diversify your investment portfolio. Our expert advisers provide guidance on offshore opportunities, ensuring you make informed decisions to potentially optimise returns while managing risk.
Book your first appointment for free here >

Equities

Investing in equities offers long-term growth potential. Rather than direct share dealing, we provide access to equity funds, offering diversification and professional management to help balance risk and reward. Alternative investments can be high risk and may be difficult to sell. Their value and any income may fluctuate, meaning investors could get back less than they invested, even with tax benefits.
Book your first appointment for free here >

Collectives

Collectives offer a flexible and diversified way to invest, pooling resources with other investors to access a range of assets. Our expert advisers help you choose collectives that fit your investment strategy, giving you the potential to benefit from professional management and diversification while aiming for long-term growth.
Book your first appointment for free here >

Unit Trusts

Unit trusts allow you to invest in a diverse range of assets, managed by professional fund managers. Our expert advisers will guide you in selecting unit trusts that align with your financial goals, providing a balanced approach to risk and return for your long-term investment strategy.
Book your first appointment for free here >

Fixed Interest Investments

Fixed interest investments offer a stable income stream with a predictable return, making them an attractive option for risk-averse investors. Our expert advisers help you navigate a range of fixed interest opportunities, ensuring your investment strategy aligns with your financial objectives and risk tolerance.
Book your first appointment for free here >

Open Ended Investment Companies

Open-Ended Investment Companies (OEICs) offer flexibility and diversification by pooling funds from multiple investors into a range of assets. Our expert advisers will guide you in selecting OEICs that match your investment goals, providing you with a diversified portfolio and the potential for long-term growth.
Book your first appointment for free here >

Why choose Beals Financial Advisers?

Working with our financial advisers offers trusted expertise, personalised guidance, and tailored strategies to achieve your financial goals:
We take a comprehensive view of your financial situation, considering factors such as insurance, mortgages, retirement, savings and investments, estate planning, and cash flow management.
We can provide strategies to minimise tax liabilities, ensuring you keep more of your money.
We can help you develop and manage an investment portfolio that aligns with your financial objectives and risk profile.
We have access to a wide range of financial products and tools that may not be available to individual investors.
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Frequently Asked Questions

What is the difference between saving and investing?

Saving typically involves setting aside money in a secure account for short-term goals or emergencies, earning minimal interest. Investing, on the other hand, involves putting money into assets like stocks, bonds, or funds with the aim of achieving higher returns over the long term, though it carries more risk.

How do I decide between a savings account and an investment?

If you need access to your money in the short term or want to minimise risk, a savings account is often more suitable. For long-term goals, investing could offer higher potential returns, though it comes with greater risk. The right choice depends on your time horizon, risk tolerance, and financial goals.

What types of investments are available to me?

Common investment types include stocks, bonds, mutual funds, property, and alternative investments like commodities or private equity. Each carries different levels of risk and potential returns.

How can I reduce the risk when investing?

Diversification is a key strategy for managing risk. By spreading your investments across different asset classes, sectors, and regions, you reduce the impact of poor performance from any single investment. Regular reviews and balancing your portfolio can also help manage risk.

What is an ISA, and how can it benefit me?

An Individual Savings Account (ISA) allows you to save or invest in a tax efficient account', up to the annual limit set by the government. There are different types of ISAs, including Cash ISAs, Stocks and Shares ISAs, and Lifetime ISAs, each offering unique benefits.

How much should I save or invest each month?

The amount depends on your income, expenses, and financial goals. A general rule is to save at least 20% of your income if possible, allocating some to an emergency fund and the rest toward long-term investments/savings.

What is compound interest, and how does it work?

Compound interest is the interest earned on both your initial principal and the accumulated interest from previous periods. This effect can significantly boost the value of your investments over time.

Are investments guaranteed to grow?

No, investments are not guaranteed to grow, and their value can fluctuate. While some investments historically provide long-term growth, there is always a risk of loss. It's important to invest according to your risk tolerance and financial goals.

Why should I review my savings and investments regularly?

Regular reviews help ensure your savings and investments remain aligned with your financial goals, risk tolerance, and any changes in your circumstances or market conditions. It also allows for adjustments with the aim of optimising performance and reduce unnecessary fees.

Do I need a financial adviser for my savings and investments?

While it’s possible to manage your own savings and investments, a financial adviser can provide expert guidance tailored to your specific goals and risk tolerance. Advisers help with creating a diversified investment strategy, tax planning, and navigating complex financial products, which can ultimately save you time, reduce risk, and potentially improve returns.

Looking for a financial adviser near you?

Our first appointment is free of charge and with no-obligation! Available by phone, video call or face-to-face.
Call us on: 01489 585 548
Email us: info@bealsfs.co.uk
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The guidance and/or information contained within this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK.

Approver Quilter Financial Services Limited and Quilter Mortgage Planning Limited. March 2025

Registered office address: Unit 1 Fulcrum 2 Solent Way, Whiteley, Fareham, England, PO15 7FN. Registered in England and Wales under reference 08286166
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