What is the best deposit account for you?

Depending on your circumstances, we often find spreading your capital across different types of accounts might give you the balance you need.

Instant access savings accounts offer increased flexibility, while fixed term deposit accounts can provide more attractive interest rates and come with the security of a fixed interest rate for the term of the account. Saving regularly means you can save little and often with different options at maturity.

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How much should you have in savings?

Different people will need different amounts depending on their life stage and lifestyle needs. There are a number of cash flow models designed to help people with everything from managing debt to saving for retirement.

Paul Clifton, Senior Wealth Planner says:

Many people are hard-wired to save a third of their income. But it is not often so simple. You need different access to your capital at different stages in your life. Much of this will depend on your lifestyle choices and what you are saving for, as well as what sort of return you are looking for over what sort of timeframe.

 

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Get in touch with a private banker to see how account management could fit into your overall wealth strategy.

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