Your decision ultimately should depend on your financial goals, timeframe, and risk appetite.

Build a safety net. Before you start investing, ensure you have a solid emergency fund. This prevents you from having to dip into investments in case of unexpected expenses.

Once your short-term needs are covered, consider investing to grow your wealth. Investing in equity markets can be uncomfortable at first but failing to put your money to work could have costly repercussions.

• If you only save £200 per month in a standard savings account earning 2% interest, after 20 years, you’d have approximately £58,800.
• If you invest £200 per month in a diversified portfolio with an average annual return of 6%, you could grow your wealth to around £98,925—a difference of over £40,000.

This shows how investing, while riskier, can significantly increase your wealth over the long term.

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Find an expert and local solicitor to make your purchase run smoothly

• Set Clear Goals: Know what you’re saving or investing for and the timeline.
• Understand Your Risk Tolerance: Be realistic about how much risk you can take.
• Diversify Investments: Spread your money across different asset types to minimise risk.
• Review Regularly: Regularly assess your savings and investments to ensure they align with your goals.

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Deciding whether to save or invest—and how much to allocate to each—can be complex. A financial adviser can provide tailored guidance to ensure your money works hard for you.

Review your income, expenses, and current savings to determine how much you can afford to invest without compromising your safety net.

Help you clarify your short- and long-term financial objectives, whether it’s buying a home, retiring early, or funding your children’s education.

Recommend investments that align with your risk tolerance and goals, ensuring a diversified portfolio for long-term success.

Track your financial progress and adapt your strategy as your circumstances or market conditions change.

Offer professional, unbiased advice to help you avoid common mistakes and feel confident in your financial choices.