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Investing your Finances

Investing your finances

It can be a nerve-wracking thing, pondering over whether to invest your finances and where to invest. There are two main things an investment can do; generate a regular income or build your capital over time. Perhaps you are looking for some personal finance advice after being in receipt of some inheritance, have sold a property or have had a win-fall? It can be daunting considering your options, and making sense of the best places to invest your finances, leaving you in need of some investment advice. Fear not. Here is some investment advice and tips on where to invest your finances.

Once you have cleared or at least over-paid on your mortgage and cleared any outstanding debts, you will be in a great position to invest your finances.
But what is the best option for you? You need to decide if this investment is going to be a short-time investment such as saving accounts or long-term investment over 5 years or more, such as shares and other investment opportunities.

Savings Account

You could put your money into a saving account. It is best to do some research into which account will offer you the highest rate of interest, with a better return for your money.

Stocks and Shares ISA

You could invest your finances into a stocks and shares ISA. This is limited to £20,000 in the 2017/18 tax year. No tax is payable on your Stocks and Shares ISA, however if you do get a return from your investment, you will pay dividend tax.

Investment Trusts

An Investment Trust is where your money is put together with other investors to purchase shares in large range of companies. This is relatively low-risk as you are able to invest across many companies rather than just one, spreading your risk.

Unit Trusts

This is where you purchase units, which will determine how much money you make based on the buy and sell price over a long-term timescale. A fund manager will manage the trust and will then invest as part of a larger investment group rather than on an individual investment basis.


Open Ended Investment Companies are professionally managed schemes that again puts you alongside other investors. This fund is then used to purchase a wide range of shares on the stock market.

Share Dealing

Investment in shares on an individual basis will give you more control to set up your own portfolio, but it is more riskier than group investments mentioned above.

Asset Investments

Investing in tangible assets such as jewellery, antiques, guitars or other items such as art or fine wine can be a high-risk business, but is nonetheless an increasingly popular option. However it is important to remember that the value of these items can change quickly.


Property is always an obvious choice for investment. There are many options with this, such as gaining additional funds from renting out the property after purchase. However, it is important to remember that additional costs are involved and you will also need a buy-to-let mortgage if this is your intention.

There are so many options to choose from when investing your finances, but it is clear that seeking investment advice is a good place to start, to ensure that you understand each option and are fully informed to make your decision.

If you would like some independent investment advice our trusted and knowledgeable advisors at Cotswold Financial Planning are here to assist you in your financial queries. Contact us on 01608 651608 or via our enquiry form and we will be happy to discuss your requirements.