are your cash investments suffering from a lack of interest?
TRANSCRIPT
Are your cash investments suffering from a lack of interest?
Risks of cash investments
• Counter party risk / Default Risk
• Generally low-yielding
• Keeping pace with inflation / negative real return
Why hold cash investments?
• To provide funding for short term expenditure
• Liquidity – easy / quick access to funds
• Low risk asset class / Preservation of capital
• Easy to understand & calculate returns
Where to invest your cash
0.00%
1.00%
2.00%
3.00%
4.00%
5.00%
6.00%
7.00%
8.00%
May
-07
Jul-0
7
Sep-
07
Nov
-07
Jan-
08
Mar
-08
May
-08
Jul-0
8
Sep-
08
Nov
-08
Jan-
09
Mar
-09
May
-09
Jul-0
9
Sep-
09
Nov
-09
Jan-
10
Mar
-10
May
-10
Jul-1
0
Sep-
10
Nov
-10
Jan-
11
Mar
-11
May
-11
Jul-1
1
Sep-
11
Nov
-11
Jan-
12
BOE
LIBOR 12
7 Day Notice
12 Month Fixed
Where to invest your cash?
• Instant Access / Notice / Money Market– Rates typically between 0% - 1.5% Variable– High liquidity
• Term Deposit Accounts / Fixed rate bonds– Rates typically circa 2% , 6 months, 3% 12months– Money locked up for known short term period
• Structured Deposits– For investment terms usually between 3-6 years– Potential opportunity to earn a higher returns than those
offered by conventional fixed deposits– Performance linked to equity markets with capital
protection– Typical returns circa 14%-17% over 3 yrs
Why Take Independent Advice?
• Interest rates likely to remain low. Charities have a need to shop around for the best solutions.
• Access to professional research and diligence.
• Identifies the most suitable and competitive product solutions.
• Potential to bespoke investment plans for larger amounts.
• More productive use of time.
Find out more information
To find out more information about our services please contact
Simon Williams on:-Telephone :01562 881088
Email: [email protected]: www.origin.eu.com
or Scan the QR code below with your smartphone
Find out more information
This presentation has been prepared for information purposes only. Whilst we have taken reasonable care to ensure that the information and commentary contained in the presentation is correct at the time of publication, we cannot guarantee its accuracy or completeness. Opinions, estimates and projections in this presentation constitute current opinion of the individual(s) as at the date of this presentation and are subject to change without notice.
Investors should remember that the value of investments, and the income from them, can go down as well as up and that past performance is no guarantee of future return. You may not recover what you invest. Changes in exchange rates may have an adverse effect on the value, price or income of foreign currency denominated securities. Levels and bases of taxation can change. Investments or investment services referred to may not be suitable for all recipients.
Registered Address: 28/29 Hagley Mews, Hall Drive, Hagley, West Midlands, DY9 9LQT:01562 881088 F: 01562 881089 E: [email protected] W: www.origin.eu.comOrigin is a trading name of Origin Financial Ltd, an appointed representative of Intrinsic Independent Limited, which is authorised and regulated by the Financial Services Authority.Registered in England No. 06974777