Xiaoyu Ding

Aim to maximise your cash savings

It might shock you to know that 28% of people hold their cash in interest-free savings accounts⁽¹⁾, receiving no return on their hard-earned money. Because under current rules a basic rate taxpayer can earn up to £1,000 in interest from their savings without paying tax, these people could be missing out on a significant financial boost that they could be enjoying.

This is even more relevant when you consider that the average person typically holds up to 25% of their available money on cash deposit⁽²⁾. So, by reviewing your cash and tackling any ‘lazy money’, you’ll be making a great start at getting your finances in shape and achieving longer-term financial security.

If your money isn’t working as hard as it could, I can help. By making it easy to access potentially better interest rates, I can help you to aim to maximise your cash savings – giving you more money to spend on the things you enjoy or helping you grow your money towards a longer-term goal.

¹ Building Societies Association Sept 2024
² The Lang Cat: Cash as an asset class survey June 2024

Cash on deposit advice is not regulated by the Financial Conduct Authority.

Hi, I’m Xiaoyu - a Financial Adviser who believes that good financial planning should give you clarity, confidence, and peace of mind. With over five years of experience in the financial services sector, I have worked with individuals and families to help them make informed decisions and build long-term financial security.

My career began in banking, where I developed a strong foundation in insurance and retail financial products while working as a Customer Account Manager. I later moved into the UK insurance and wealth sector, advising clients on protection planning and supporting them in understanding their financial needs and priorities. These experiences have given me a solid understanding of how to build long-term client relationships and provide advice tailored to each person’s circumstances and goals.

I hold the CISI Investment Advice Diploma (IAD), demonstrating my commitment to maintaining high professional standards and providing advice that clients can rely on. My approach is straightforward — I take the time to listen, understand what matters most to you, and create a financial plan designed to support your goals both now and in the future.

As a bilingual adviser (Mandarin & English), I enjoy working with both UK-based and international clients, helping them navigate financial planning with confidence, particularly when dealing with complex personal or family situations.

Outside of work, I enjoy playing badminton, camping, and hiking. I like spending time outdoors and staying active, which helps me keep a balanced and positive approach both in life and in my work.

If you would like advice from a Financial Adviser who values clear communication, long-term relationships, and personalised planning, I would be pleased to help.

I aim to provide practical, straightforward guidance to help you feel confident about your financial future.