An Independent Financial Adviser (IFA) should always be your first point of contact to obtain free, impartial advice on your investment options. Investment planning should be carefully considered to maximise your income and an IFA is best placed to advise you on your options. Premier IFA will connect you with recommended FCA regulated IFAs in your area for free and impartial advice.

Recommended IFAs are the highest rated advisers in your area with a proven track record for providing independent advice so you can be sure you receive the best possible information. They will provide advice on the 'whole of the market' and not just preferred providers.

Independent Financial Advisers are best placed to provide you with impartial advice on a range of investment issues including:

- Savings Products

  • Bank and Building Society Accounts

A safe secure way to hold your money to be sure to get back what you have paid in plus interest. Factors to consider are the rate of interest you will get paid and how quickly you can access your money.

  • National Savings and Investments

National Savings and Investments (NS&I) are products backed by the government meaning that money you invest will be totally secure. NS&I products include premium bonds, guaranteed income bonds and investment accounts.

  • Individual Savings Account (ISA)

ISAs can be made up of cash or long term investments like stocks and shares and you don’t pay tax on interest or dividends from an ISA. There are however limits on how much you can pay into an ISA – £15,240 in the 2015/2016 tax year.

Junior ISAs are also available for children up to the age of 18 with a limit of £4,080 in each tax year.


- Investments Products

Investing in funds is often recommended by experts as it allows investors to pool their funds to be able to access a range of investments.

  • Investment Funds

These are typically unit trusts or open-ended investment companies (OEICs) which are funds where investors money is pooled together to invest in bonds, shares or other funds. These funds will be managed and the investment will be in a variety of companies thus spreading the risk.

  • Investment Trusts

Investment trusts are riskier than investment funds with the potential of higher returns. An investment trust is a company that sells its shares to investors to raise money which is then pooled to buy a range of shares and assets. It will depend on your appetite for risk and reward as to which investment trust suits you as trusts will have different aims and different mixes of investments in them.

  • Active or Passive Funds

Around 75% of investment funds are actively managed by fund managers. The aim of the fund manager is to beat the market to make better than average growth for the investment.

Passive funds will track the market so that if the index goes up so will the value of the fund. For instance, a fund that tracks the FTSE 100 index will deliver the same return as that market. Passive funds are cheaper as they require less management.

Investment advice