When interest rates are low, investors sticking to the safety of bank deposit accounts aren't making the most of their money. However, with the right savings and investment advice you can take advantage of any of the thousands of savings and investment products that aim to make your money grow and/or provide income.

If you'd like to make the most of your spare income or capital, independent financial investment advice on how to manage your money more profitably can prove invaluable.

The type of investment that suits your needs depends on a number of factors, such as the risk you are willing to take, the amount of income or growth you want, when you need your money back and the rate of tax you pay.

Whether you are considering investing in individual companies, a collective investment scheme such as a Unit Trust, Open Ended Investment Company (OEIC) or Investment Trust or making the most of tax efficient investments such as through an Individual Savings Account, it pays to get savings advice from an IFA.