With interest rates having increased over the past 12 months, you may think your deposit savings are earning good returns.

True: short term, fixed deposits can offer a higher rate of return than instant access accounts; but if you are prepared to invest in asset backed arrangements over the longer term, typically in excess of 5 years; the returns historically have been even higher.

*Past performance is no guarantee of future returns and your capital can be at risk in some investments

• The Bank of England has held the Base Rate at the 15-year high of 5.25%.
• The Bank of England has opted to hold the Base Rate at 5.25%.
• The BoE Base Rate being held at 5.25% was predicted in the markets after inflation remained at 6.7%.
• The hold in the BoE rate at 5.25% was predicted in the markets and comes on the back of ECB (European) and Fed (US) rate holds.
• In changing times, investors should keep a cool head and a well-diversified portfolio. Omnis spread your investments across different asset classes, global regions and styles wh...