RSJ Investment
RSJ Financial Planning
RSJ Investment

Saving Money


General Information on Options for Saving and Investing Money

Options for Investing

There are several methods of saving for the future with the following advantages and disadvantages:

  1. Deposit - short-term no risk but over the long-term value is eroded by inflation
  2. Pensions - tax relief on the contributions so £80 contributed is £100 invested
  3. Individual Savings Accounts (ISAs) - allow you to invest up to £15,000 a year into cash, company shares and corporate bonds in a tax efficient environment. Neither Income tax on the income they produce, nor will Capital Gains be taxed on the profits.
  4. Unit Trusts - same as ISAs but with out the tax benefits
  5. Life Bond - inflexible, not tax efficient, higher charges Pooled Investment

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