It is a difficult economic climate for savers and investors hoping to get a good return and beat inflation. The Bank of England Base Rate has been at its record low of 0.5% since March 2009, with little indication that it will rise in the near future.
The continuing economic troubles in the Eurozone and stock market turbulence have made it a worrying time for people who want to invest for the long term.
But experts say there are opportunities for people to snap up undervalued shares and to invest in well capitalised companies that pay good dividends.
Whether you're keen to save, new to investing or experienced in the stock market, you may have a question for our panel of experts.
Which savings accounts pay the best rate of interest?
How are your savings and investments protected?
What type of equity investments are available?
Which sectors should you choose?
How much should you pay in fees and charges?
How do you assess risk and choose a fund?
Vincent Duggleby was joined by:
• Christine Ross, Group Head of Financial Planning,
• Kevin Mountford, Head of savings & current accounts,
• Darius McDermott, managing director,
Presenter: Vincent Duggleby
Producer: Lesley McAlpine