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SAVING FOR THE SHORT TERM,
INVESTING FOR THE LONG TERM

Whether you choose short term savings like savings accounts and cash ISA’s or longer term investments like stocks & shares; all need to be managed and monitored to ensure they remain fit for purpose and help you achieve your wider financial objectives.

Short Term

We all have a need for short term savings and this can take the form of a rainy day fund, saving up for a holiday/special event, or saving for that up and coming tax bill.

Short term savings are usually low risk and would include:
  • Bank or Building society accounts
  • Cash ISA
  • Short term fixed rate bonds

MEDIUM TERM

Medium term investments would, for example, be for a deposit on a new house or practice purchase, children’s education/university fees or major life events such as a wedding. Depending on your circumstances medium term savings usually invest in higher risk assets, such as equities and/or fixed interest securities in order to achieve returns above the rate of inflation. Medium term savings would usually be from 5 to 10 years.

Medium term savings and investments would include:
  • Stocks & Shares ISA
  • Help to Buy ISA
  • Medium term bonds

LONG TERM

Long term investments are invested for more than 10 years and can be used as a future rain day fund, used in retirement planning and inheritance/legacy planning for your children.  We will map these investments to a longer term attitude to risk and your financial situation.

Long term investments include:
  • Pensions including SIPP & SASS
  • Stocks & Shares ISA
  • Direct investment in equities
  • Property

WHAT OUR CLIENTS SAY

“

Martin, Paul and the Team have been invaluable in helping us ensure that our family and practice would remain secure if any unfortunate event were to occur. The service provided by Dental Financial Associates is comprehensive and tailored exactly to our needs and we highly recommend them to any dentist wanting peace of mind over their financial affairs.

Dr Chris and Dr Hayley French — Clarendon house Dental Centre, Leamington Spa
“

I have known and been working with Martin for approximately 10 years now. Within that time the clients that I’ve referred to him have been delighted to benefit from his professionalism, dedication, extremely helpful advice and prompt support. Martin has a passion for dentistry and is a real expert in all the financial and business aspects of a dental practice. Martin and his team deliver on their service level commitments and I’d have no hesitation in recommending him to any of my dental customers wherever they are nationally.

Ian Eslick - DPAS Business Development Manager
“

Martin Haines at Dental Financial Associates has provided me with easy to follow information and advice, which means I don’t have to worry about my financial future, and can concentrate on being a dentist and enjoying life. Their specialist knowledge of policies for dentists and their total independence from any of the companies means I have a bespoke and complimentary portfolio of policies to insure me and to provide for me and my family’s future. This service is essential if you want a financially secure future and no worries.

Dr Dave Mantle - Smilecare, Chiswick
“

I would not hesitate to recommend Dental Financial Associates. Martin Haines has a thorough understanding of the Dental business and as well as comprehensively sorting out our financial requirements he is always ready to go that extra mile with any business help or advice you may require by drawing upon his extensive knowledge and experience or referring you to the appropriate person.

Derek Stott - Needham Market Dental Practice

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