The three core components of your long-term plan are;

·         A rainy day fund of 3-6 months’ income set aside to cover emergencies

·         A lifetimes savings pot which will hopefully fund retirement, care costs and perhaps inheritances for other members of the family

·         Specific milestones-based amounts that are kept in relatively liquid form to fund foreseeable obligations that may fall within the next 5-10 years

In is in this context that I have written our Guides which are designed to follow this outline. Here are the titles below. Since equities form such an important component of a long-term investing strategy, they get a Guide all to themselves. I have also produced a separate Guide for those who are new to tax which introduces all of the key concepts for savers.