Savings / Investments

Financial Planning

Choose Ergon Financial Consultants for your Savings and Investment needs in York, Pontefract and Yorkshire.

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

Maybe you are investing for:

  • A specific goal
  • A rainy day fund
  • Maintaining a good standard of living

Our approach to investment and savings advice is for us first to understand your current financial situation, your goals and your attitude to the risk you are prepared to take with your money. These are some of the most important parts of obtaining the correct investment for you.

Whether we’re helping clients in York, Pontefract and Yorkshire plan for retirement or managing their wealth, their attitude to risk and the construction of their portfolio represents the starting point for the advice we give.

Before you invest we need to consider if you have any outstanding debt, do you have a sufficient emergency fund and do you have adequate financial protection in place.

There are four main asset classes available to investors. These are cash, fixed interest and bonds, property and finally equities.

By spreading investments across the four asset classes (known as diversification) we ensure they participate in the returns from each sector, without over-exposure to any one area.

History has shown that the impact of a sudden fall in the stock market can potentially be reduced if part of the portfolio is in cash, fixed interest or property. Equities have however proven to be the best performing asset class over the long-term, so having no exposure to the stock market could limit returns. Past performance should not be regarded as a guide to future.

Changes in government legislation, market dynamics, fund performance and charging regimes mean regular reviews are necessary in order to stay on track.

With our expert advice we will ensure that the solutions presented are right for you. So whatever your goals are, whatever they may be, whether it is to save for a wedding, university fees or for a rainy day we will help you make an informed decision.

If you would like to discuss how we can help you with savings and/or investments contact us and we would be delighted to assist.

Our other services

Financial Review

Call us now on 01977 702777 to talk through your requirements and make the most of our experience and comprehensive panel of lenders.