This website is intended for private investors, professional advisers and regulated investment firms in the UK, South Africa and other countries where there are no restrictions which would prohibit a person from accessing our website and/or utilising our services. By continuing to use our website, you are confirming that you have agreed to the Website Terms of Use and that you are in a country where there are no restrictions on you accessing our website and investment services. If you are not in such a country you must not access our website or any investment services we provide. Credo Capital Limited uses cookies to personalise and improve your experience using the Credo website and MyCredo platform. You can accept all cookies by selecting ‘Accept All’ and continuing to browse the site or you can manage the cookies we use by selecting ‘Manage Cookies’ to apply only the categories of your choosing. Find out more details on how we use your information in our Cookie Policy.

MANAGE COOKIES ACCEPT ALL

Cookies Manager

Strictly Necessary

Whilst these cookies cannot be turned off (as they are needed to run our website and MyCredo securely), they do not store any personal data about you. If you are reluctant to accept their use, we advise you navigate away from this website.

REQUIRED
Analytical or Performance

These cookies gather information about how you use our website, for example which pages you visit most often. The information collected is aggregated and therefore completely anonymous and used only for the purpose of improving user experience for our website visitors.

Functionality Cookies

These cookies gather information about your browsing habits and allow us to better understand your interests. They remember that you have visited our website which enables us to provide enhanced functionality and to personalise our content for you.

Save Preferences Cookie Policy

Financial Fitness

How financially fit are you?

You work hard for your income, but how hard is your money working for you? Answer the below questions to discover how financially fit you really are and find out where you might need to strengthen your plan. At the end, you’ll see your score and have the option to contact us to discuss your results.

1. Spending Awareness
I know exactly where my money goes each month, and what’s left to save or invest.
2. Savings Routine
I save or invest a set percentage of my income consistently every month.
3. Goal Clarity
I have clearly defined short, medium, and long-term financial goals.
4. Investment Confidence
I understand where my investments are held, how they’re performing, and the level of risk I’m taking.
5. Tax Efficiency
I make use of tax-efficient options like pensions, ISAs, or salary sacrifice schemes.
6. Protection Planning
I have appropriate cover in place (income protection, life insurance, critical illness, etc) to protect my lifestyle.
7. Cash & Debt Management
I maintain an emergency fund and manage debt efficiently (e.g. credit cards, loans, or mortgages).
8. Review & Progress
I review my finances at least annually to check progress and adjust where needed.

Your Score Explained

36-40 Financially Fit: You’re in great shape! Keep refining and optimising your strategy
26-35 Moderately Fit: You’re doing a lot right, but a few tweaks could improve efficiency and results.
16-25 Needs Training: Some foundations are in place, but there are key areas to strengthen
Below 16 At Risk of Financial Burnout: You may benefit from a tailored financial plan and structure

If you’d like to explore your score in more detail or stress-test your financial fitness, please contact us via the below button.

Need more information?

CONTACT US