Savings
& investments
The
high street provides a number of well known providers of savings
plans. Before actually investing your hard earned money with
anybody, you should ask the following questions :
Have I used my full ISA allowance for this current tax year?
How long am I prepared to tie my money up for, or do I need
instant access to some or all of the funds?
I am saving for a specific goal or target?
The choice of investment fund and the provider, is all important
in determining the returns you will achieve. For example,
over the last 12 month period (ending 4th March 2010) Financial
Express report that the best performing fund returned 217.22%
and the worst made a loss of 98.3%. For the record the best
fund invested in Russian equities and the worst was a “passive”
tracker fund for Netherland’s based companies.
Disclaimer
Past
performance is no guide to future performance. The value of
your investment will be affected by the performance of world
markets, interest rates, taxes on income and capital and foreign
exchange rates. You may get back less than the amount you
originally invested.”
This website is designed to
provide you with general information only and does not attempt
to give you advice on any particular investment or to recommend
any particular investment to you. If you have any doubt as
to whether a particular investment is suitable for you, you
should contact BMS Financial Ltd for advice.
Investment
Risk Disclosure and legal notice
0151
339 4757 and ask for John Parry.
BMS
Financial, Independent Financial Advisers, 11 Juniper Drive, Great
Sutton, Cheshire, England, CH66 2YW tel: 0151 339 4757 - fax:
0870 7622064 Registered in England No 5800802
This site is maintained by
ConsultNet Ltd ConsultNet
Ltd
BMS
Financial Ltd are independent financial advisers
based in Great Sutton, Cheshire provide independent
financial advise
in Tarporley, Cheshire, Northwest, UK and all surrounding
areas Alderley Edge, Alsager, Bollington, Chester, Congleton,
Cranage, Crewe, Culcheth, Daresbury, Ellesmere Port, Faddiley,
Frodsham, Grappenhall, Hale, Handforth, Haslington, Holmes
Chapel, Kingsley, Knutsford, Lower Whitley, Lymm, Macclesfield,
Malpas, Middlewich, Nantwich, Neston, Northwich, Penketh,
Poynton, Prestbury, Runcorn, Sale, Sandbach, Stockton Heath,
Tarporley, Warrington, Widnes, Wilmslow, Wincham, Winsford,
Wistaston, Acton Bridge, Agden Brow, Allostock, Alvanley Anderton,
Antrobus, Arley, Aston by Budworth, Barnton, Billinge Green,
Bostock, Bucklow Hill, BUPA (Stretton), Castle, Comberbach,
Crowley, Crowton, Cuddington, Davenham, Delamere, Delamere
Park, Goostrey, Gorstage, Great Budworth, Greenbank, Hartford,
Hatchmere, High Legh, Holmes Chapel, Kelsall, Kingsley, Kingsmead,
Knutsford, Lach Dennis, Leftwich, Leighton Hospital, Little
Bollington, Little Budworth, Little Leigh, Lostock Gralam,
Lostock Green, Lower Peover, Lymm, Marston, Marton, Mere,
Middlewich, Millington, Mobberley, Moulton, Norley, Northwich,
Oakmere, Oughtrington, Over Peover, Pickmere, Plumley, Rudheath,
Sandiway, Shurlach, Stanthorne, Tabley, Utkinton, Weaverham,
Whitegate, Whitley, Willington, Wincham, Winnington, Winsford,
Acton
, Adlington, Alderley Edge , Alderley Park , Aldersey , Aldford
, Allgreave , Alsager , Alvanley, Anderton, Ashley, Ashton,
Astbury, Audlem, Backford, Baddiley, Barthomley, Beeston,
Bickley , Bickley Moss , Bollington, Bosley, Brereton Green
, Broxton , Bunbury , Burton , Calveley , Capenhurst , Checkley
, Chelford, Chester , Cholmondeley , Christleton , Church
Coppenhall , Church Minshull , Clotton, Coddington, Congleton,
Cote Brook , Crewe, Cuddington , Daresbury , Davenham , Delamere,
Disley, Doddington, Dodleston , Duddon , Dunham-on-the-Hill
, Eaton, Eccleston , Ellesmere Port , Elton , Farndon , Farnworth
, Frodsham, Gawsworth, Goostrey, Great Barrow , Great Budworth
, Great Sutton , Hale, Hale Bank, Halton, Handforth , Hankelow,
Hargrave , Hartford, Harthill, Helsby , High Legh , Holmes
Chapel ,Hough Green, Huxley, Ince, Jodrell Bank , Kelsall,
Kingsley, Knutsford, Langley, Ledsham, Little Budworth , Little
Sutton, Lostock Gralam, Lymm, Macclesfield, Malpas, Marbury,
Marston , Marthall , Mere , Mickle Trafford, Middlewich, Mobberley
, Mollington, Moore , Mouldsworth, Mow Cop , Nantwich, Neston,
Nether Alderley, North Rode, Northwich, Over , Parkgate ,
Peover , Plumley, Pott Shrigley , Poynton , Prestbury , Preston
Brook, Pulford, Radway Green , Rainow, Rode Heath, Rostherne,
Runcorn, Saighton , Sandbach , Saughall, Shocklach , Shotwick
, Siddington, Somerford, Spurstow, Stamford Bridge, Stanlow
, Stoke , Strines, Swettenham, Tabley , Tarporley , Tarvin
, Tattenhall, Tatton, Thornton le Moors , Threapwood, Tilston,
Tiverton, Upton, Wallerscote, Warrington,Warmingham, Warren,
Waverton, Weaverham, Wervin, Weston, Weston , Weston Point,
Wharton, Wheelock , Whitegate, Widnes, Willaston, Willaston,
Wilmslow, Winnington, Winsford , Wistaston, Woodford , Worleston,
Wrenbury , Wrinehill, Wybunbury
BMS
Financial Ltd are independent financial advisers
based in Cheshire also provide independent
financial advise
in the following areas in the UK
ENGLAND
Bedfordshire (Bedford, Luton, Dunstable, Leighton Buzzard, Biggleswade,
Sandy)
Berkshire (Reading, Bracknell, Maidenhead, Newbury, Windsor,
Wokingham, Abingdon)
Buckinghamshire (Aylesbury, Milton Keynes, Slough, Buckingham,
High Wycombe)
Cambridgeshire (Cambridge, Wisbech, Ely, March, Whittlesey,
Chatteris, Linton)
Cheshire (Knustford, Northwich, Chester, Stockport, Birkenhead,
Wallasey, Runcorn, Macclesfield, Crewe)
Cornwall (Bodmin, Truro, Camborne, Redruth, St. Austell, Falmouth,
Penzance, Newquay)
Cumberland (Carlisle, Whitehaven, Workington, Penrith, Keswick,
Brampton)
Derbyshire (Derby, Chesterfield, Ilkeston, Swadlincote, Buxton,
Matlock, Ashbourne)
Devon (Exeter, Plymouth, Torquay, Paignton, Barnstaple, Tiverton,
Newton Abbot, Tavistock)
Dorset (Dorchester, Poole, Weymouth, Sherborne, Wimborne Minster,
Shaftesbury)
Durham (Durham, Sunderland, Stockton-on-Tees, Darlington, Hartlepool,
Gateshead, Washington)
Essex (Chelmsford, Basildon, Romford, Southend, Colcheter, Harlow,
Brentwood, West Ham)
Gloucestershire (Gloucester, Bristol, Cheltenham, Stroud, Cirencester,
Tewkesbury)
Hampshire (Winchester, Southampton, Portsmouth, Bournemouth,
Basingstoke, Newport)
Herefordshire (Hereford, Ross-on-Wye, Leominster, Ledbury, Bromyard,
Kington)
Hertfordshire (Hertford, Watford, St. Albans, Hemel Hempstead,
Stevenage, Hatfield)
Huntingdonshire (Huntingdon, St. Ives, St. Neots, Ramsey, Yaxley)
Kent (Maidstone, Canterbury, Bromley, Rochester, Margate, Folkestone,
Dover, Greenwich)
Lancashire (Lancaster, Liverpool, Manchester, Preston, Bolton,
Warrington, Barrow-in-Furness)
Leicestershire (Leicester, Loughborough, Hinckley, Melton Mowbray,
Coalville, Lutterworth)
Lincolnshire (Lincoln, Grimsby, Scunthorpe, Boston, Grantham,
Stamford, Skegness, Louth)
Middlesex (City of London, Harrow, Enfield, Staines, Ealing,
Potters Bar, Westminster )
Norfolk (Norwich, Great Yarmouth, King's Lynn, Dereham, Cromer,
Hunstanton)
Northamptonshire (Northampton, Peterborough, Corby, Kettering,
Wellingborough)
Northumberland (Alnwick, Newcastle-upon-Tyne, Morpeth, Hexham,
Berwick-upon-Tweed)
Nottinghamshire (Nottingham, Mansfield, Worksop, Newark, Retford,
Southwell)
Oxfordshire (Oxford, Banbury, Witney, Bicester, Henley-on-Thames,
Carterton, Thame)
Rutland (Oakham, Uppingham. Cottesmore)
Shropshire (Shrewsbury, Telford, Oswestry, Bridgnorth, Whitchurch,
Market Drayton, Ludlow)
Somerset (Taunton, Bath, Weston-super-Mare, Yeovil, Bridgwater,
Wells, Glastonbury)
Staffordshire (Stafford, Stoke-on-Trent, Wolverhampton, Walsall,
Cannock, Lichfield)
Suffolk (Ipswich, Bury St. Edmunds, Lowestoft, Felixstowe, Sudbury,
Haverhill, Bungay)
Surrey (Guildford, Croydon, Woking, Sutton, Kingston-on-Thames,
Wandsworth, Wimbledon, Brixton)
Sussex (Chichester, Brighton, Worthing, Crawley, Hastings, Eastbourne,
Bognor Regis, Horsham)
Warwickshire (Warwick, Birmingham, Coventry, Nuneaton, Rugby,
Solihull, Stratford-upon-Avon)
Westmorland (Appleby, Kendal, Windermere, Ambleside, Kirkby
Lonsdale)
Wiltshire (Trowbridge, Salisbury, Swindon, Chippenham, Devizes,
Marlborough, Warminster)
Worcestershire (Worcester, Dudley, Kidderminster, Stourbridge,
Halesowen, Malvern, Evesham)
Yorkshire
North Riding (Northallerton, Middlesbrough, Scarborough, Whitby)
East Riding (Beverley, Hull, Bridlington, Driffield, Hornsea,
Filey)
West Riding (Wakefield, Leeds, Sheffield, Bradford, Halifax,
Harrogate)
York (within the Walls)
WALES
(including Monmouthshire)
Anglesey/Sir Fon (Beaumaris, Holyhead, Llangefni, Amlwch, Menai
Bridge)
Brecknockshire/Sir Frycheiniog (Brecon, Builth Wells, Hay-on-Wye,
Talgarth, Llanwrtwd Wells)
Caernarfonshire/Sir Gaernarfon (Caernarfon, Bangor, Llandudno,
Conwy, Pwllheli, Porthmadog)
Carmarthenshire/Sir Gaerfyrddin (Carmarthen, Llanelli, Ammanford,
Llandovery, Kidwelly, St. Clears)
Cardiganshire/Ceredigion (Cardigan, Aberystwyth, Lampeter, New
Quay, Tregaron)
Denbighshire/Sir Ddinbych (Denbigh, Wrexham, Ruthin, Abergele,
Llangollen)
Flintshire/Sir Fflint (Mold, Flint, Rhyl, Prestatyn, Connah's
Quay, Holywell, Buckley, St. Asaph)
Glamorgan/Morgannwg (Cardiff, Swansea, Merthyr Tydfil, Barry,
Caerphilly, Bridgend, Neath, Pontypridd)
Merioneth/Meirionnydd (Dolgellau, Bala, Tywyn, Blaenau Ffestiniog,
Barmouth, Harlech)
Monmouthshire/Sir Fynwy (Monmouth, Newport, Blackwood, Cwmbran,
Abergavenny, Chepstow, Tredegar)
Montgomeryshire/Sir Drefaldwyn (Montgomery, Newtown, Welshpool,
Machynlleth, Llanidloes)
Pembrokeshire/Sir Benfro (Pembroke, Milford Haven, Haverfordwest,
Fishguard, Tenby, St. David's)
Radnorshire/Sir Faesyfed (Presteigne, Llandrindod Wells, Knighton,
Rhayader, New Radnor)
SCOTLAND
Aberdeenshire (Aberdeen, Peterhead, Fraserburgh, Inverurie,
Huntley, Ellon, Turriff)
Angus/Forfarshire (Forfar, Dundee, Arbroath, Brechin, Montrose,
Carnoustie, Kirriemuir)
Argyllshire (Inveraray, Oban, Dunoon, Campbeltown, Lochgilphead,
Tobermory)
Ayrshire (Ayr, Kilmarnock, Irvine, Saltcoats, Kilwinning, Largs,
Troon, Cumnock)
Banffshire (Banff, Buckie, Keith, Macduff, Portsoy, Dufftown)
Berwickshire (Greenlaw, Duns, Eyemouth, Lauder, Coldstream)
Buteshire (Rothesay, Millport, Brodick, Lochranza)
Cromartyshire (Cromarty, Ullapool)
Caithness (Wick, Thurso, Halkirk, Castletown)
Clackmannanshire (Clackmannan, Alloa, Tillicoultry, Tullibody)
Dumfriesshire (Dumfries, Annan, Lockerbie, Moffat, Sanquhar,
Langholm, Gretna)
Dunbartonshire/Dumbartonshire (Dumbarton, Clydebank, Cumbernauld,
Helensburgh, Alexandria, Kirkintilloch)
East Lothian/Haddingtonshire (Haddington, North Berwick, Dunbar,
Tranent, East Linton)
Fife (Cupar, Dunfermline, Glenrothes, Kirkcaldy, St. Andrews,
Cowdenbeath, Burntisland)
Inverness-shire (Inverness, Fort William, Kingussie, Newtonmore,
Portree)
Kincardineshire (Stonehaven, Banchory, Laurencekirk, Inverbervie)
Kinross-shire (Kinross, Milnathort)
Kirkcudbrightshire (Kircudbright, Castle Douglas, Dalbeattie,
New Galloway)
Lanarkshire (Lanark, Glasgow, East Kilbride, Hamilton, Motherwell,
Coatbridge, Carluke)
Midlothian/Edinburghshire (Edinburgh, Musselburgh, Penicuik,
Dalkeith, Bonnyrigg)
Morayshire (Elgin, Forres, Rothes, Lossiemouth, Fochabers)
Nairnshire (Nairn, Auldearn, Cawdor, Ferness)
Orkney (Kirkwall, Sromness, Balfour)
Peeblesshire (Peebles, Innerleithen, West Linton)
Perthshire (Perth, Crieff, Pitlochry, Callander, Blairgowrie,
Rattray, Coupar Angus, Kincardine)
Renfrewshire (Renfrew, Paisley, Greenock, Johnstone, Port Glasgow,
Barrhead, Kilmalcolm)
Ross-shire (Dingwall, Stornaway, Tain, Alness, Invergorden)
Roxburghshire (Jedburgh, Hawick, Kelso, Melrose, Roxburgh)
Selkirkshire (Selkirk, Clovenfords, Galashiels)
Shetland (Lerwick, Scalloway, Baltasound)
Stirlingshire (Stirling, Falkirk, Grangemouth, Kilsyth, Bridge
of Allan, Denny, Alva)
Sutherland (Dornoch, Helmsdale, Brora, Golspie, Lairg, Durness,
Tongue)
West Lothian/Linlithgowshire (Linlithgow, Livingston, Bo'ness,
Broxburn, Whitburn, Armadale, Bathgate)
Wigtownshire (Wigtown, Stranraer, Newton Stewart, Whithorn)