Saving, whether for retirement, a ‘rainy day’ or big life changes, is becoming increasingly important in today’s society. With a reduction in State support for retirement, an increase in the cost of raising children, a sharp rise in university fees and an increase in consumer borrowing, the need to invest for the future is essential.

The housing boom, longer life expectancy, uncertainty in employment, and many employers cutting back on pension provision for staff are all factors that have taken many by surprise and call for an increase in the amount that we save.

So how do you know how much you need to be saving each month? It is best to consider your goals and work backwards. This is why it is so important for us to understand what motivates our clients.

There are literally thousands of savings products available from hundreds of providers. Some of these are listed below: