Investment management
The next few years are going to see major changes in the way we save for the future, as the old familiar safety nets of state pensions and benefits begin to fall away. Already we are being encouraged to do more to plan our own and our families' financial futures.
In the last few years we have seen new savings instruments appear, such as ISAs, SIPPS and stakeholder pensions. But in order to create the right plan, you need the right advice.
popular route through the maze is direct equity investment - individual ownership of stocks and shares. While popular schemes such as unit trusts invest your money in a basket of stocks and shares chosen by a fund manager, direct equity investment gives you a say in what goes into the basket. You have a direct contact with your investment manager, working together to create the right portfolio for you, or you give your own instructions on how to manage your investments.