01603 266333 [email protected]


The way you save and invest your money can make a significant difference to your finances…and peace of mind.

Making your savings work harder for you

Many people are comfortable with investing money in a bank or building society, where they will receive interest in return. However, over the long term, the return on your money may not keep pace with inflation. This means that although your capital is still ‘secure’, its value has reduced in real terms as it can buy less goods and services than before.

 Alternatives to bank/building society deposits include:

Stocks and shares

Generally considered to be the riskiest option but offer the greatest potential for growth over the long term.

Fixed interest securities such as Gilts and Corporate Bonds

Can go up and down in value but tend to offer a less volatile return than stocks, usually lower levels of risk depending on the nature of the security.


Investing in property offers a rental income from either residential or commercial tenants along with the prospect of an increase in the value of the property over time.

These offer different levels and types of returns, with different levels of risk.

We’ll work with you to identify the types of investments which may be suitable for you using sophisticated risk profiling techniques and drawing on our experience and expertise. For most people this will mean creating a diversified portfolio of assets to meet their short and long term needs.

Our independence means greater choice for you

We’re not restricted to the investment providers we can work with so we will work to understand your needs, and agree the investment strategy that’s right for you.

We can also discuss alternatives available in the investment market which aim to provide you with better returns than the bank but include protection to help preserve your money if the investment returns are lower than expected.

To find out how we can help make your money work harder for you, get in touch.

Get in touch

We will be able to explain risk in more detail. Contact your financial adviser before making any decisions. The value of investments may fall as well as rise. You may get back less than you originally invested.


If you wish to register a complaint, please write to Just Financial Planning Ltd, Point House, 5 High Street, Coltishall, Norfolk, NR12 7AA or telephone 01603 266333.

A summary of our internal complaints handling procedures for the reasonable and prompt handling of complaints is available on request and if you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service at www.financial-ombudsman.org.uk or by contacting them on 0800 0234 567.