Click here to get regular factsheets on investments and financial planning http://www.woodruff-fp.co.uk Most people realise that pensions and ISAs are both tax-efficient wrappers into which you can save your money. However, there is often debate over which is the best vehicle for your savings. This leaflet examines some of the pros and cons of these wrappers and the benefits of using one versus another. http://www.woodruff-fp.co.uk/docs/40_investing_for_the_long_term.pdf The general principle of investing is that over time, especially the medium to long-term, the stock market should outperform other assets such as bank or building society accounts. However, many people also realise that investing in shares can be risky, and this is often demonstrated by attention grabbing journalists shouting about drops in share values. This leaflet aims to explain how investing in the stock market for the long-term should generate superior returns. http://www.woodruff-fp.co.uk/docs/39_investments_for_children.pdf This leaflet explains the main issues which surround investing for children. It lists reasons why you would save for your children(such as university, weddings or school fees), and also investigates the main tax-free schemes for children's savings, such as Child Trust Funds. http://www.woodruff-fp.co.uk/docs/39_investments_for_children.pdf This leaflet explains the complicated rules surrounding ISAs, and includes how the accounts will change after April 2008. From this date, the cash and shares elements will be simplified, and it will be easier to mix and match your allowances. PEPs will change to become ISAs, and you will be able to transfer from cash ISAs to share ISAs. http://www.woodruff-fp.co.uk/docs/30_isa.pdf How we follow a defined process in our dealings with clients. It gives an overview of the way we work, the different services we offer, and how we manage research and investments for you. http://www.woodruff-fp.co.uk/docs/38_our_philosophy.pdf Fund supermarkets enable you to invest all your money under one platform, saving on cost and administration. You can then choose from virtually any investment fund manager, thus giving you the best chance to get decent returns on your money. http://www.woodruff-fp.co.uk/docs/33_fund_supermarkets.pdf This factsheet explains the main benefits of using ISAs, or individual savings accounts as a tax shelter for your savings or investments. http://www.woodruff-fp.co.uk/docs/30_isa.pdf We explain the process that we go through when advising on investment portfolios. We take broadly the same approach with each client so that we can ensure quality and consistency of returns. http://www.woodruff-fp.co.uk/docs/27_financial_strength.pdf We explain how the Trustee Act imposes a duty of care on trustees to ensure that they properly review and diversify investments which are held within trusts. http://www.woodruff-fp.co.uk/docs/27_financial_strength.pdf We explain how we take into account the ability of companies to meet their liabilities, so we reduce the risks to you. http://www.woodruff-fp.co.uk/docs/27_financial_strength.pdf How we help you to establish what level of risks to take with your pensions, investments and savings. It also explains how to diversify your portfolio. http://www.woodruff-fp.co.uk/docs/15_investment_risk.pdf How ethical funds work to enable you to invest according to your beliefs. http://www.woodruff-fp.co.uk/docs/9_ethical_investment.pdf How commission offset can greatly benefit clients. http://www.woodruff-fp.co.uk/docs/5_commission_offset.pdf