When planning your finances, it is important to distinguish the difference between savings and investments. Savings are generally funds that you set aside, but can be accessed relatively quickly. These savings are often for a specific need or purchase, like a holiday or a new car. The most common way of ‘saving’ is into a bank account (‘deposit’ account) where the money can be accessed in an emergency, and for every £1 you put in, you will get £1 back and possibly some interest.

Investments are designed to be held for a longer term, usually at least 5 years. You need to be comfortable with tying up this money for a period of time, and should not consider investments unless you have some savings in place. Most investments are not guaranteed to return your money in full, although do offer the prospect of potentially higher returns than deposit accounts. Returns, risk and volatility are the factors that will determine a suitable place for your savings.

So how best to save, what tax-efficient savings plans are available? Should you save in ISAs, endowments, National Savings, deposit accounts or pensions even? How much do you need to save to pay the school fees? What risk profile should you adopt? Should you invest in deposits, equities or bonds?

As an independent firm we are free to work with other specialist investment managers and to offer an unbiased view on saving and investment across the whole of market. This position allows us to deliver tailored investment strategies and work within investments or tax structures you may already have in place.

We will be able to explain risk in more detail. Contact your financial adviser before making any decisions.


The value of investments may fall as well as rise. You may get back less than you originally invested.


If you would like to know more about our Cash Savings Management Service, please contact us.

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Read our Savings and Investment Testimonials

  • “I have no hesitation in recommending the services of Catalpa. They are a professional, knowledgeable and friendly company to deal with. I always get good advice with no pressure which gives me confidence.​”

    Mr C
  • “I am happy to recommend Catalpa, I always find the service professional also friendly and personalised.”

    Mrs LL
  • “I am long experienced in the demands of compliance and some of the tactics that product providers use to avoid or delay paying out on policies but even I was astonished at the tortuous process that my provider sought to put me through in transferring a pension to a SIPP. This would have caused considerable distress to some people and the handling this matter demanded the highest degree of professionalism, vigilance and tenacity.

    The product provider tried every trick in the book to avoid and then delay paying out and it was only the sustained persistence from Gary and his team over a period of months that ensured a successful  outcome for me and my family.”

    Mr R