Bank deposits have now become unattractive. Whatever interest rate you’re getting on your capital (current average is only 0.4% p.a.) it is losing value at 2.7% p.a. To quote Mr Micawber - “result misery.”

Telegraph Money states, “No savings account beats inflation at 2.7% p.a.” Keeping your money on deposit is clearly a risk. Investors should now, as a matter of urgency, start looking for alternatives for their money.

To better inflation investors will need to accept a small degree of risk. Fortunately, at this time there are a number of options open to investors where the return has consistently outperformed inflation and provided clients with a positive year by year return on their capital. These options are also available to provide tax free growth or tax free income with the minimum of risk.

If you are unhappy with the rate of return on your bank deposit account, then we would be happy to explain the options or alternatives and recommend an investment product which would best suit your personal risk profile.