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Is there any point in investing just now? The Stock Market has a remarkable record over the years. Yes, it shoots up. Yes, it drops back down again and we go into another spiral of media pessimism, people lose money, and wish they'd never got involved. It's well known that banks and building societies have managed to tempt people with their own "investment products" based on good Stock Market performance over a number of years. Just as people get the confidence to invest their hard-earned money, the Market drops and they find they've bought at the top of the market - but the bank's already had its commission, thank you, and they're quite happy. Seeing their money drop in value, many folk sell out and take the loss. And of course, 2009 saw one of the best years of Stock Market growth on record, and then it all seemed to go sour again. So is there any point in investing? Yes, if you believe Markets will recover. Yes, if you're prepared to accept some risk in exchange for possible larger returns. Yes, if you want to save on say a regular monthly basis over a long period - perhaps through an ISA or your pension - because then you have the satisfaction of knowing that your payment is buying more investment units when prices are low, ready for any increase in prices later. Come and talk to us - it's what we're here for. We'll make sure we understand your concerns and attitude to risk, and put together an investment strategy for you. We'll show you how keeping all your savings in cash "for safety" can be one of the riskiest strategies there is. Once you're happy with an investment strategy then (unlike the banks and building societies) we'll keep an eye on it and review it with you, regularly.
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