Category: Uncategorized

Funding your golden years

Tax aspects require careful planning after recent government changes

Pensions have the reputation of being confusing, but they needn’t be. Private pensions are usually used by people who don’t have access to a workplace pension scheme, but you can also have one if you are employed or not working. They work in much the same way as workplace pension schemes, but you, rather than an employer, are responsible for choosing the provider and setting up your plan. Continue reading “Funding your golden years”

Dot-com crash to global financial crisis

Busting the myths of investment companies’ performance

Saturday 15 September 2018 marked ten years since the collapse of Lehman Brothers. And with the bull market following the global financial crisis – now the longest in history in the US – it’s useful to revisit the past. The Association of Investment Companies (AIC)[1] has looked at the long-term performance of investment companies from just before the dot-com bubble burst in 2000 and just after the collapse of Lehman Brothers in October 2007. Continue reading “Dot-com crash to global financial crisis”

Independence plan

Least financially resilient group delay life milestones due to financial insecurity

Life can get complicated when you hit your early thirties, which means your finances are starting to get serious. You might be in the middle of countless transitions, like moving up in your career, starting a business, buying a home, getting married, having children…and a whole lot more. Continue reading “Independence plan”

Reviewing your needs and goals

Take the time to think about what you really want from your investments

Anything is possible when you manage your money the right way. It’s well worth taking the time to think about what you really want from your investments. Knowing yourself, your needs and goals, and your appetite for risk is a good start. Your focus should be on ensuring that the inevitable bumps along your investment journey do not force you off course. Continue reading “Reviewing your needs and goals”

Investment objectives – a lifelong process

Protecting your wealth from market ups and downs

Whatever your goals in life are, careful planning and successful investing of your wealth can help you get there. If you’ve got a sufficient amount of money in your cash savings account – enough to cover you for at least six months – and you want to see your money grow over the long term, then you should consider investing some of it. Continue reading “Investment objectives – a lifelong process”

Matters of risk

Investment goals and timescales that influence your choices

If you want to plan for your financial future, it helps to understand risk. If you understand the risks associated with investing and you know how much risk you are comfortable taking, you can make informed decisions and improve your chances of achieving your goals. Continue reading “Matters of risk”

Diversified portfolio

Effective tool for reducing risk and volatility without necessarily giving up returns

When you start investing, or even if you are a sophisticated investor, one of the most important tools available is diversification. Whether the market is bullish or bearish, maintaining a diversified portfolio is essential to any long-term investment strategy. Continue reading “Diversified portfolio”