Putting money in a deposit account is the most common way that we start to accumulate savings. The money is safe – ie: the underlying capital value is guaranteed – and you can get access to it quickly in the case of any emergency. 

Consequently, even the largest investors always have some money in cash. In fact, the rule of thumb is to hold the equivalent of between three and six months expenditure on deposit. That way, if the roof falls in or your car needs repair, there is money available to get you through the problem without having to access anything you might hold in higher risk or more volatile assets at a time when the market might be against you. 

Longer term, however, there can be issues with holding all your money in a deposit account, particularly if you are relying on this asset alone to fund your future. 

Please Note:

Past performance is no guide to the future. The value of investments can go down as well as up and you may get back less than you invested. 

When investing internationally changes in currency exchange rates may affect the value of an investment. Smaller companies and emerging markets carry higher level of risk than larger, more established companies and markets. Consequently, the suitability of any particular stock market investment depends on your personal circumstances and your attitude to risk.

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A&J Wealth Management Ltd


Bigfrith Lane

Cookham Dean



01628 480200

© 2023 A&J WEALTH MANAGEMENT LTD A&J Wealth Management Ltd is authorised and regulated by the Financial Conduct Authority. Financial Services Register, no 428590, at Registered in England, Company no: 5105933. Registered Head Office: Sawfords, Bigfrith Lane, Cookham Dean, Maidenhead, Berkshire SL6 9PH

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