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Savings and investments… what’s the difference?

The main differences between savings and investments are the element of risk attached; and how quickly the money can be accessed.


 (such as bank or building society savings accounts) are typically safer, but attract lower returns. Money can usually be accessed instantly or at a few weeks’ notice.


may be linked to stock market (or property market) performance – so they have the potential to give higher returns, but usually there’s a higher risk. Investments tend to be a longer-term decision, and there may be penalties for withdrawing funds early.

Which is right for me?

Everyone’s needs and preferences are different. We’ll help you make the choices you’ll feel most comfortable with.

We make it our priority to find out what you want to achieve with your money, and your attitude to risk. We’ll also ask whether you’d like your ethical and environmental beliefs to influence how you save or invest. Then we’ll search the whole market to find the savings or investment plans that could best suit you, and explain them to you in person.

Rest assured, we’ll clearly tell you about the risks and potential returns at every stage – so you’ll be fully informed and can make your decisions with complete confidence.

Whether you’re planning a special holiday, a wedding, or a nest-egg for your family – call us today to find out how we can help you.

Everyone’s needs are different – which is why we take the time to understand what matters to you.

We always search the whole of the market – so you can be confident we’ll find the products that best suit you. We’ll also make sure your insurance policies work together sensibly, so you have the right level of cover without paying more than you need.

The policy descriptions here are just a quick, general overview – each policy has its own specific terms and conditions. Rest assured, we’ll talk through all the small print in detail with you, so you’ll be completely clear about the terms and benefits of your policy.

For financial peace of mind, whatever life brings, call us today on 01752 837950.


If you are interested in this service you can get in touch with Manning & Company via our online enquiry form. Please click below to get in touch.