New To Savings & Investments? We’re Here To Help.

Whether you’re planning for your new home, a perfect wedding, university fees or simply for your peace of mind against unforeseen events, a sensible savings plan can make all the difference. Murray & Spelman Financial Services can help you now from our offices in Kildare and Galway, by offering a wide range of savings and investment solutionsto help you build towards your financial goals.

You may be looking to save, or maybe you’re thinking of investing. Saving is when you set aside money now, for future expenses and investing is when you buy stocks and bonds for long-term growth. There are key areas where savings and investments may be relevant for you. Some areas to consider could be:

Investment Bonds

• It’s a long-term investment option for your lump sums.
• It’s a great option when looking for a way to potentially grow your money.
• You can change the level of investment risk if circumstances change.
• You have the flexibility to take an income or encashment from the bond if needed.

Corporate Investment Bonds

We see more companies exploring alternative investment opportunities – in particular investigating how Corporate Investment Bonds and Savings Plans can be a solution. Holding your company’s money in cash or on deposit may make sense for maintaining short-term cash-flow but is this the most appropriate use of the surplus capital?

Over the last number of years holding too much cash has been costly. Investing with a Life Company can be more efficient. Traditionally companies have invested directly in deposit accounts or through direct equity/share purchase, which can bring unwanted tax complications.

Savings Plans

• You can vary the savings amount.
• You have the option to make lump-sum top-ups/contributions.
• You have the potential to grow your savings through investment choices.

Education Saving Plans

A lot of parents underestimate the savings needed to cover the costs of providing for their children’s future education and to avoid the need to borrow to meet these costs. By taking the time now to plan for these future expenses, you can become the architect of their future!

What are you looking for?

We recognise that your circumstances are unique to you and every client is different. Murray & Spelman Financial Services are experienced in helping people to manage their money better and to make the most of their financial resources. As your Financial Broker, we are always willing and happy to have a chat with you about your situation. Feel free to pick up the phone and chat with us today.

Murray & Spelman (Financial Services) Ltd help you plan for your future, while you live for today!