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Client Testimonials
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Aaron & Hannah Himsworth - Matlock
We really do appreciate all of the time and sound advice you have given us.
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L Bamford - Long Eaton
Both Tirin & Christine went above and beyond to help me during this very stressful time. Very much appreciated!
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Nix Shah BDS – London
... I would not hesitate to recommend Tirin and the team at I2 Retirement as a result of the services he has provided for me personally and also my company.
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G Bamford – Nottingham
Tirin gave me some great advice on my pension. I am now receiving more than 30% than I would have done if I had stayed with the company that had my pension fund!
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V Grealey – Harrogate
I have received excellent financial advice over several years from Tirin of i2. He is everything I am looking for in a financial advisor; reliable, efficient, prompt and understanding ...
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A Kneale – Merseyside
... It was so easy! Tirin is always available to answer my queries which is always reassuring. I have 100% confidence in everything they do for me.
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Clare Long (Director) Parkside Tile – Leicester
... They offer a personal, friendly and efficient service to our staff and directors alike, and are always on hand to give advice. I have no hesitation in recommending them.
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G & L Chamberlain – Nottingham
... Tirin always approaches the client/advisor relationship with integrity, enthusiasm and flexibility, and we would have no hesitation in recommending him and i2ifa.
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Chris Reed (Director) Pinpoint Accountants – Nottingham
... The advice he gave me personally was concise and made me feel confident that the policy he recommended and arranged was correct for my requirements ...
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L Chambers – Sheffield
I hate filling in forms and get stressed at the thought of making financial decisions, but you took all the worry away.
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B May – Sheffield
I2 have a team of highly dependable, knowledgeable and trustworthy individuals. Their recommendations are always thought out and tailored to the circumstances ...
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B Edwards - Sheffield
Good standards, sound advice and professional help, are the basics, in my view. However, Tirin goes further. He inspires trust, listens attentively and provides effective solutions ...
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Introduction to Savings & Investments
Why save?
Often, people save for a specific reason and it's usually the safest way to build up a pot of money.
It’s less risky than investing, but it offers limited growth. The most you'll earn on the money you save is the interest added. Saving is perfect for people who don’t want to take any risks with their money, and most savings accounts have easy access or are for a fixed term.
However, you should also consider the effect of inflation on your savings. If the rate of inflation is greater than the rate of interest being earned, your savings are effectively losing value over time. Also, you should ensure that the savings account chosen is covered by the Financial Services Compensation Scheme (which will compensate you if the institution that holds your savings fails and can’t pay back your money) and that the amount saved is no more than the limit payable under this scheme.
There are many different ways to save, but whichever way you choose, the general idea is the same: to build up some money - savings - that can be used, for example, to make a large purchase such as a new fridge, go on holiday, pay for school fees or cover the cost of expensive times like Christmas.
Savings also provide security by making sure that some money is put aside for emergencies or unexpected costs.
Where can I put my money?
There are a number of different types of savings products out there. The links in this section will provide a guide to what is available to you.
What's the difference between saving and investing?
Saving is a stage on the way to investing.
You cannot be an investor without being a saver - but you can be a saver without being an investor.
When someone talks about savings and saving money, it could be referring to a piggy bank on the mantelpiece or a high interest deposit account. Savings are effectively cash or cash instruments, such as deposit accounts, term bonds etc.
Investing is what you can do with the savings you have created - if you are looking to generate a return on your money that is greater than what is already available to you through your savings instruments.
As a saver, you will be taking very few and very small risks with your money.
As an investor you are taking a much greater risk. Not only is the return on offer to you likely not to be fixed or guaranteed, the capital sum you invest may be at risk as well.
So why would anyone want to take such risks? The short answer, of course, is because the potential rewards may be greater and you want to generate more from your money than is possible by simply leaving it in a bank or building society deposit account.
What should I do now?
Since there are so many different types of savings and investments, and there are potential risks with investments in particular, it is wise to seek expert advice which can be tailored to suit your own circumstances.
THE VALUE OF INVESTMENTS AND THE INCOME FROM THEM MAY GO DOWN. YOU MAY NOT GET BACK THE ORIGINAL AMOUNT INVESTED.
Read less
Other Areas of Expertise
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Wealth Preservation
Wealth, just like your health, must be carefully preserved. Your assets need to be protected against the potential threats of erosion by taxation, the effects of inflation and investment risks.
... Read more -
Taxation
Taxation can be very complicated and the rules, reliefs and allowances often change, so it is worth obtaining a clear grasp of how these taxes work by discussing with a professional adviser
... Read more -
Pensions
When you retire you still need food and shelter as an absolute minimum, but of course you will want to maintain the lifestyle to which you have become accustomed, so unless you can guarantee a large inheritance
... Read more
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Mortgages
Your mortgage is probably the largest financial transaction and commitment you are likely to undertake. Surely then you should seek mortgage advice which is individually tailored to your needs
... Read more -
Life Assurance
The main purpose of Life Assurance is to provide money for those people who may depend on you financially, in the event that something should happen to you.
... Read more -
Financial Planning
Professional Financial Planning is the process which aims to help you realise your ambitions - whatever they may be. As professional financial advisers we can help you make informed decisions
... Read more
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Business Insurance
All businesses are exposed to risks in their day-to-day operations. Without insurance cover to provide protection against some of these risks, businesses would find it difficult to operate efficiently and profitably.
... Read more
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London Stock Exchange
Value | Move | % |
FTSE 100 | ||
7389.98 | 87.24 ![]() |
1.195 ![]() |
FTSE 250 | ||
19835.95 | 146.949 ![]() |
0.746 ![]() |
FTSE 350 | ||
4116.05 | 45.81 ![]() |
1.125 ![]() |
FTSE All Shares | ||
4083.84 | 44.9 ![]() |
1.112 ![]() |
Dow Jones | ||
31261.9 | 8.801 ![]() |
0.028 ![]() |
Nasdaq | ||
11354.617 | -33.883 ![]() |
-0.298 ![]() |
Currencies
Value | Move | % |
0 | ||
1.184 | 0.002 ![]() |
0.185 ![]() |
GBP/NOK | ||
12.151 | -0.022 ![]() |
-0.184 ![]() |
0 | ||
12.42 | 0.003 ![]() |
0.023 ![]() |
GBP/USD | ||
1.255 | 0.005 ![]() |
0.396 ![]() |
Newsletter Registration
Sheffield Office
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I2 Retirement & Financial Planning
Unit 5, Shepcote Office Village
Shepcote Lane
Sheffield
S9 1TG
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Phone : 0114 249 3444
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Email : sheffield@i2ifa.co.uk
Nottingham Office
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I2 Retirement & Financial Planning
58 Station Road
Sandiacre
Nottingham
NG10 5AS
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Phone : 0115 939 2626
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Email : nottingham@i2ifa.co.uk
The guidance provided within this website is subject to the UK regulatory regime and is therefore primarily targeted at consumers based in the UK.
I2 Retirement & Financial Planning Limited is authorised and regulated by The Financial Conduct Authority. I2 Retirement & Financial Planning Limited is entered on the Financial Services Register (www.fca.org.uk/register) under reference 457952.
Registered in England under reference 05398309
Registered office address: Unit 5, Shepcote Office Village, Shepcote Lane, Sheffield, S Yorkshire, S9 1TG