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 SAVING TO ACCUMULATE CAPITAL IS EITHER FOR SHORT TERM NEEDS OR LONG TERM GOALS. Short term savers requiring easy access to their funds should choose deposit based products, usually provided by Banks Building Societies or National Savings. Long term savers, seeking the potential of capital appreciation should consider Unit Trusts, OEICs, Investment Trusts and commercial property funds. Specialised forms of long term saving products are available, such as Pensions, for detailed information please go to our pensions page How have the different investment Asset classes performed in the past? (adjusted for inflation). The value of investments can go down as well as up, and past performance is not a guide to future performance.  | To 31st December | 2007 | 2006 | 2005 | 2004 | 2003 | UK Equities | 1.0 | 11.4 | 18.7 | 8.8 | 16.9 | Gilts | 1.2 | -4.4 | 6.0 | 3.6 | -1.2 | Corporate Bonds | -5.9 | -4.5 | 9.8 | 3.3 | 6.7 | Index-Linked Gilts | 1.4 | -2.1 | 6.7 | 4.9 | 3.9 | Cash | 1.8 | 0.4 | 2.7 | 1.1 | 0.9 | Property (IPD) | -7.4 | 13.1 | 16.5 | 14.8 | 8.1 |
Source - All Barclays Capital except Property (IPD) A balanced savings portfolio can be built by diversifying across various of the Asset classes.  View a sample balanced portfolio, try this link to a simple asset allocation blend, (from Citiwire), just select your age group and risk profile. asset allocation PLEASE NOTE these are model answers only, and are not to be taken as personal advice for you. |
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