Investments & Savings

Why Is Whole of Market Financial Advice So Important?

Deposit accounts, ISAs, Gilts, Bonds, Shares, Unit Trusts, OEICs, property, ETFs, VCT, EIS… these are just some of the areas where you can put your savings and investments.

With such a wide variety of options on offer it worth speaking to a Whole of Market Financial Adviser who can ensure you get the right product for your particular needs.

For advice on the most efficient savings vehicle for your needs … weddings, a world cruise, school or university fees, even a classic car.. Contact FPU

James Irvine, your local mortgage adviser at FPU, can refer any queries you may have to an appropriately qualified financial adviser within Quilter Financial Planning Solutions Limited.

Savings and Investment products are distinct, so it might be helpful to distinguish between the two offerings here.


These products help you provide are for short-term needs and the most common vehicle is a bank account. What distinguishes savings products is that you can immediately withdraw some or all of the money you’ve deposited In an emergency, whereas investment products tend to tie up your capital for longer periods, spanning several years in many cases.

Bank Accounts

Current accounts are the most flexible account in terms of access to your money without restrictions, but savings accounts offer a higher rate of interest.

New Individual Savings Account (NISA) is a tax-efficient product through which you can invest up to £20,000 annually, and some providers offer instant access to a Cash ISA without penalty.

When you are able to lock away some of your money for a longer period of time you can consider investments. But make sure you have some savings in place first.
Most investments offer the prospect of potentially higher returns than a deposit account but remember there are no guarantees. So your attitude to risk will determine the right vehicle for you to invest in.

Are you happy with the return on your current investments? Contact FPU for a review of your investment portfolio.


Here are just a few investment options to consider:

National Savings & Investments* – these are generally considered low risk as they are backed by the government. They include some tax-free products.

Bonds & Gilts - generally considered a lower risk than direct equity (share) investment, but the value can still fall as well as rise.
Government Bonds are the most secure (known as Gilts in the UK), but the return is lower than for a Corporate bond. These are issued by private companies and are ‘rated’ on the expected ability of the issuer to repay the loan.
‘High Yield’ bonds, also known as junk bonds, are more risky, but might offer a high rate of return.
Then there are corporate bond funds, which invest in a range of these loans.

Equities (shares) – have historically offered a better return for investors over the very long term but there are no guarantees for future performance when investing in company shares and you should only invest what you theoretically can afford to lose.

Investment ‘Funds’ can specialise in shares in one particular sector, such as construction, or invest geographically, perhaps only buying shares in American companies. They charge a management fee.
Property is another type of investment, but bear in mind that any valuation of property is a matter of the valuer’s opinion, rather than a matter of fact and values can fall as well as rise. 

In the first instance in the event of any complaints please contact James Irvine on the form above. For more information about our complaints policy please visit.

Your home may be repossessed if you do not keep up repayments on your mortgage.

The value of pensions and investments and the income they produce can fall as well as rise. You may get back less than you invested.



The information and content contained within this website is subject to the UK regulatory regime, and is therefore targeted at consumers based in the UK.

Financial Planning Union, Positive Mortgages and Positive Solutions are trading styles of Quilter Financial Planning Solutions Limited which is authorised and regulated by the Financial Conduct Authority.

James Irvine is not authorised to give financial planning advice but could refer any queries to a financial adviser within Quilter Financial Planning Solutions Limited.

Quilter Financial Planning Solutions Limited is authorised and regulated by the Financial Conduct Authority.

Registered as a Limited Company in England and Wales No. 3276760. Quilter Financial Planning, Riverside House, The Waterfront, Newcastle upon Tyne, NE15 8NY.

Tax Planning, Commercial & Agricultural Mortgages and Buy to let Mortgages are not regulated by the Financial Conduct Authority.