18/08/2026
Your money isn’t going anywhere. That’s exactly the problem.
Sometimes cash is exactly where your money should be: when you might need it soon, when you’re keeping a sensible reserve, or when you’re simply not ready to invest it yet. There’s nothing wrong with any of that.
But I also speak to women holding far more in cash than they need to, for a different reason.
It came from an inheritance, a redundancy payment, the sale of a property or business, or it built up steadily over the years. They’ve been meaning to sort it out, they’re just not sure what the alternative looks like, and another year goes by.
Cash savings are more stable day to day, but inflation can reduce what they’ll buy over time. Investments can rise and fall in value, so returns aren’t guaranteed, and you could get back less than you invest. The right balance depends on when you might need the money and what you want it to do.
What helps is starting further back than “where should this go?”
Before we look at investing, we work out what it’s actually for. And if you don’t know yet, that’s part of the conversation too. We work through what matters to you, what you might want to make possible, how much needs to stay within easy reach, and how much could be growing towards more freedom, retirement, helping family or whatever comes next.
Once you know what the money needs to do, you can make decisions about it with purpose rather than leaving it where it is because you don’t know what else to do.
If you’ve got money sitting in cash and recognise yourself in this post, send me a message.
You don’t need to have it worked out before we talk. That’s what the planning is for. We can do that together and get your money moving towards something you want, instead of leaving the decision on the departures board.
Bloom Financial Planning is an Appointed Representative of and represents only St. James’s Place Wealth Management plc (which is authorised and regulated by the Financial Conduct Authority). SJP Approved 17/08/2026.
