Savings & Investments

If you can find a way of putting your money into an account that gives you a return above the inflation rate, then you have growth on your savings. The challenge is to find these accounts. Do you invest in the volitilities of the stock markets or in safer deposit accounts? Each investment has its own level of risk. There is no guarantee that you will make money. In general:

  • The greater the risk, the greater the potential for reward or loss.
  • The greater the ease of access, normally the lower the reward.


We take several factors into consideration when discussing your savings, investments, pension or annuity. Your Attitude to Risk is important, what would your reaction be if your investment went down in value?, can you afford to lose any of your investment? Everybody is different, so we start the process by completing a detailed Factfind which is unique to you, this is done to find what your affordability, aspirations and financial goals are.


As a starting point, you should be taking advantage of tax-efficient investments such as the New Individual Savings Accounts (NISA). Your NISA limits for tax year 2015/2016 are:

  • Overall limit               £15240
  • Cash ISA                     £15240
  • Stocks & Shares ISA   £15240
  • Junior ISA                    £  4080

From 6th April 2015, savers have an annual allowance of £15240 and can put as much of it as you like into any combination of cash and/or stocks and shares.


Tel:   07711 005774

Fax: 0191 5006767


In order to visit us

EMH Financial Planning

11 Constable Gardens

South Shields

NE34 8LR


Or use our contact form.


Life has so many surprises it's best to be prepared and have a partner you can count on.

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