When conducting financial planning there are a few investments that are the mainstay of the industry and used by the public, through Financial Advisers, inside products. These would include Cash, Gilts, Corporate bonds and Stocks and Shares purchased inside Unit Trusts / OEICs inside products like Pension, Stocks and Shares ISA’s and Investment Bonds. One would conclude then that investments outside this traditional arena would be an ‘alternative’ to the conventional format.
For those people that are comfortable with the amounts they put aside to support themselves in later life and are looking to do a little extra there are a number of opportunities available to them which might be quite interesting.
For those who are more concerned about capital or income security Protected and Guaranteed products are available. These can be incorporated in the more conventional routes above but can also be a more stand-alone proposing to support separate objectives.
The following are a short list of opportunities, not proposing to be classed as advice to people and not an exhaustive list, but more as an understanding of flexibility and opportunities:
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