Capital Ideas - Independent Financial Advisors
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Capital Ideas is a trading style of Financial Horizons Ltd which is authorised and regulated by the Financial Conduct Authority, FCA reference No 587075.  Registered in England, company No 07714109.  Registered office 77 Woodcrest Road Darlington DL3 8EE


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What we cover

Bank Accounts

Bank accounts are normally deposits, which means that if the bank goes bust you will receive your money back before shareholders receive a penny.  Deposits are generally considered to be safe, as it is very rare that a bank gets into financial difficulty.


In the event that a bank becomes insolvent, your deposit may not be fully protected.  There are limits on the amount that you may receive back, and details of these limits can be viewed at www.fscs.org.uk.


Deposit accounts are an excellent place for money needed for the short term (under five years) and for an emergency fund.


The interest that you earn may be little more than the inflation rate, and if you choose unwisely it may be less than inflation.  There is, therefore, the risk that the value of your savings held in deposit accounts could be eroded by inflation as the years ago by.


If you hold significant amounts on deposit for lengthy periods, there is a significant risk that you will not do as well as if you had invested in investment plans that carried a degree of risk.


For help in choosing suitable savings and investments, contact us.

Coins and bank note