• Rachael Panteney

Wondering if you would be better off in the risk free safety of Cash?

Updated: Nov 26, 2020

Are you looking at your investments and wondering if you would be better off in the risk free safety of cash?


Quilter's research shows that 55% of those who moved investments to cash during the pandemic would wait until markets recovered by at least 10% before reinvesting.

This could mean missing out on valuable gains.







Bad Cash

If you are looking to move away from what you see as the risk of volatility in the markets are you aware of the risks associated with cash?

Historically low interest rates and the threat of inflation can do real and permanent damage to wealth over the longer term.

This is what we refer to as 'Bad cash'



Good Cash

However, everyone needs to hold some cash, for example, an emergency pot to protect you from unexpected events like a broken boiler or car repairs.

An emergency fund will be individual to you, but the equivalent of three months income or essential outgoings could be a good place to start.

Alternatively for a short term, you may want or need to hold a higher amount of cash. e.g. recent sale or need to purchase

a property.

This is what we refer to as 'Good cash'


With a number of high street banks announcing pending interest rate reductions, now is the time to organise your finances and plan for what might lie ahead.


It’s important to remember that risk is unavoidable. No matter how you hold wealth, there is always an element of risk. More importantly, in order to meet your financial goals you'll probably need to take on some risk to accomplish this.


Cash in a savings or money market account would need to earn more in interest than the current rate of inflation for it not to lose purchasing power over time. Also bear in mind that while markets experience periods of volatility no losses are locked in until you actually sell.


This is how we help you.

We'll find out all about you, your goals and your appetite for risk. Then we’ll use our expertise to help you find the right approach to ensure you make more of your money.


For more in depth information, please contact us or call Rachael on 01323 436680 and book a FREE initial consultation today.








Willow Tree Financial Services.

A6 Chaucer Business Park,

Dittons Road, Polegate.

East Sussex, UK.

BN26 6QH

01323 436680

rachael@willowtree-fs.co.uk

The value of pensions and investments and the income they produce can fall as well as rise. You may get back less than you invested. Your home may be repossessed if you do not keep up repayments on your mortgage. 
 

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