START SAVING NOW FOR A RICHER FUTURE

Everyone dreams of having enough money to change their lives — maybe buying a new car or taking the holiday of a lifetime. There is a way to help make your dreams come true. It is a scheme where you can save for TOMORROW without breaking the bank TODAY. With this savings plan you can start saving from as little as £15 a month or £180 a year.

We would all love to see an end to our money worries and have enough cash to spend on life's luxu ries. That something special you'd always promised yourself when you had a bit of spare money. TTie car you dreamed about owning or that faraway holiday you always promised yourself but could never afford. Maybe you want to host a massive party to celebrate a land mark birthday or anniversary.

There IS a way to help you afford any of these things or simply build up a nest-egg for the future. It is a Savings Plan where you choose the amount you can afford to invest. You can start saving from just £15 a month,or you can pay more,there's no maximum limit.

The plan is a savings scheme where at the end of the term you could receive a cheque for thou sands of pounds to spend as you like.

This plan is a savings plan that could not only make you richer af ter the selected term, but also gives you a guaranteed lump sum pay out as long as you maintain your premiums. Before you have paid one penny you will be told the guaranteed sum assured you are sure to receive at the end of the term. You can be absolutely sure of receiving that sum whatever happens to world stock markets or interest rates between now and the end of the term.

In addition, your savings could grow over the years with the pros- a very attractive way to save: The plan has a LOW START feature to boost your final pay out. Over the first five years, you will increase your savings by 20 per cent each year. So if you want to invest £15 that is aimed to be added to all maturing plans at the end of the savings period.

Decisions made now can affect i/onr tifesti/le as you pect ofannual bonuses being added to your savings. Once it's been de clared, the yearly bonus is guaran teed and carmot be taken away or reduced. There may also be a fur ther bonus,known as a final bonus.

Your contributions are pegged at £30a month for the remaining term. By using this option, you can link your savings to an anticipated in crease in your earnings or to coun ter the effects of inflation.

LIFE COVER that protects your loved ones while you are saving is automatically included. You also have the added reassurance that should anything happen to you, there's a guaranteed sum coming to those you leave behind.

Your final payout will be com pletely TAX-FREE and the cash lump sum can be enjoyed immedi ately.

There is TAX RELIEF on money invested in the savings plan. This is a valuable benefit, which allows the full amount of contributions payable, during the year of assess ment, to be claimed. Tax relief is given for premiums payable by yourself for an insurance of your own or your wife's life and can be claimed at your highest rate on the whole amount invested.

But, that's not all. The savings plan has lots of extras that make it per month this year, your monthly premiums will rise by £3each year for the following five years. Next year you will pay £18 a month,£21 a month in 2(K)5 and so on up to £30.

AWert Macias MLIA (dip), MCMJ, Eng, Tech., M.I.I.E., LC.G.I, is Man aging Director and Senior Financial Consultant, AM Financial and Insur ance Consultants. For a confidential, no obligation assessment ofyour needs, contact Albert Macias at AM Finan cial & Insurance Consultants, Suite 2 Horse Barrack Court,9/15 Horse Bar rack Lane, Gibraltar, Tel: 52488, Fax: 51424.