There is always a fine line between Savings and Investment, and even Pensions. Most people connect Savings with a ‘safe way of putting away money’ and investment as pure speculation!

Pensions are normally regarded as Savings, whereas in fact they are more akin to an investment.

It is true that there are ‘safe ways of saving’ but invariably these do not provide anywhere near the return as an investment into something even a little more speculative, but often with very low risk and a much better return.

Often the ‘safe way’ barely keeps up with inflation and occasionally does not keep up at all. There is therefore a risk, even with this ‘safety’, that your money eventually will not have accrued sufficient interest and may even have lost purchasing power.

Risk of course is always relative to each individual and individual attitudes to ‘Risk’ therefore are different.

It is important whenever considering any Savings or Investment or Pension planning, that relevant advice is sought.

There are invariably ‘opportunities’ but these must always be carefully researched and considered.

Please consult Spectrum International should you be considering financial plans of this nature. We can provide advice and information and structure plans to meet your own individual requirements and needs.

Alternative Investments

If you are considering a lum sum investment but are concerned about Stock Market volatility, the following products, which are uncorrelated to the Stock Markets, may be of interest.

QUADRIS ENVIRONMENTAL INVESTMENT

Socially Responsible Investments (SRI) with low minimum investment - fixed interest return - capital protected

Spectrum International are able to offer a niche market investment with a market leader in the development of positive SRI criteria pursuing a positive investment policy by adhering strictly to key investment criteria - all investments are: Ethical - Sustainable - Environmentally sound.

The aim of this investment is to provide a positively green, transparent investment, which reflects investors desires to achieve low-risk, well-performing returns in a sustainable, socially responsible and environmentally sound manner. Investment currently in Sterling but US Dollars and Euro available shortly as follows.

Fixed Interest Distribution Class Minimum

Sterling 10,000/Euro 15,000/US Dollar 20,000 - 6.5% p.a. distributed quarterly

OR

Fixed Interest Accumulation Minimum

Sterling 10,000/Euro 10,000/US Dollar 10,000 - 6.75% p.a

Please contact us for further details