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Iām late to the party but with retirement looming I would like to understand how to maximise returns on my savings and to educate myself on investing in general.
š” 1. Start with a trusted adviser
Find a regulated financial adviser (check the UKās FCA Register
) ā never rely on cold calls or social media offers.š· 2. Focus on security
Prioritise capital protection and steady income rather than risky growth. Safer options include government bonds, diversified funds, or income portfolios.
š 3. Simplify investments
Avoid complex products. Choose clear, transparent accounts where fees and performance are easy to understand.
š¦ 4. Plan for cash needs
Keep 6ā12 months of living expenses in cash savings. Invest the rest gradually and only in regulated platforms.
š¬ 5. Support & confidence
Look for advisers or groups that specialise in womenās financial planning ā some firms like Evelyn Partners, Quilter, or Brewin Dolphin offer tailored guidance.
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