As part of any financial plan we all need an emergency fund, generally we would aim to have at least six months expenses available.

In addition to an emergency fund, we view savings as short to medium-term investments of say less than five years. They are also a low-risk home for your savings and can help reduce your overall risk if you hold other asset classes such as equity and property. You will have to bear in mind that, over the longer term, your money may lose its value because of inflation.

We are great believers in utilising all available allowances and the National Savings range presents yet another opportunity for individuals to maximise net returns and provide a guaranteed hedge against inflation. As part of an overall planning process blending tax efficient deposit based investments should always be considered.

The guidance and/or advice contained within this website are subject to the UK regulatory regime, and are therefore targeted at consumers based in the UK.
Grange Financial (Sussex) Ltd is a member of Best Practice IFA Group Ltd which is authorised and regulated by the Financial Conduct Authority. The Financial Ombudsman Service is available to sort out individual complaints that clients and financial services businesses aren’t able to resolve themselves. To contact the Financial Ombudsman Service, please visit Details can be found at under reference number 229110. Grange Financial (Sussex) Ltd is registered in England, no. 4502151. Registered office 88 Boundary Road, Hove, East Sussex, BN3 7GA.