Investing for the future is all about planning. You need to decide how much you can reasonably afford to put aside each month and over what timescale you are likely to want to get your money back.

Most of us have different goals at various times in our lives. For example, when our children are young, there are regular calls on our resources for new clothes, toys, school trips and so on.

This means that it is important to have access to some of your money, and savings accounts such as Cash ISAs can be useful here.

It is important however also to have longer term investment plans in place so that you have money available later on to cover more demanding needs, such as university or college expenses. And, of course, you will want to be saving up for future costs such as special holidays, replacing furniture, your car and so on.

We can advise on an investment strategy aimed at producing capital sums when you are most likely to need them, taking due account of the risks involved, such as the volatility of stockmarkets and so on.

Please note the value of investments is not guaranteed and will fluctuate. You may get back less than your original investment.

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