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Staying disciplined and sticking to your plan is key The overall direction of developed stock markets is a relentless and continual rise in value over the very long term, punctuated by corrections. It’s important not to let global uncertainties affect your financial planning for the years ahead. Individuals who stop their investment planning, particularly during market … Continue reading “Unintended investment consequences”

Time to widen your search for income? If low interest rates continue, it really matters where you invest your money. Investing for income means choosing assets that are able to provide you with a regular income. This is in contrast to investing for growth, which focuses on how much your assets could gain in value.

Transforming your investment outcomes Investing through a tax-efficient wrapper, such as an Individual Savings Account (ISA), can give a significant boost to an overall investment portfolio, but it should be blended with an appropriate investment strategy to give the best outcome.

Maximise your wealth creation – don’t miss the deadline Whatever you’re putting money aside for, there’s likely to be a role for Individual Saving Accounts, or ‘ISAs’. An ISA is a way of holding savings or investments without paying personal tax on interest received or on the growth of your investment.

Pooling money in one or more types of asset class Collective investment schemes – also known as ‘pooled investment funds’ – are a way of combining sums of money from many people into a large fund spread across many investments and managed by a professional fund manager.

Market index following the overall performance of a selection of investments Tracker funds and exchange-traded funds (ETFs) are investments that aim to mirror the performance of a market index. A market index follows the overall performance of a selection of investments. The FTSE 100 is an example of a market index – it includes the … Continue reading “Tracker funds and exchange traded funds”

Pre-qualified companies or investment vehicles The term ‘tax-efficient investments’ refers to investment opportunities through which investors will receive tax benefits.

Warning signs which you can use to avoid falling victim Every year thousands of people lose millions of pounds due to investment scams. The internet and advances in digital communications mean these kinds of scams are becoming more common and harder to identify. Thankfully there are some warning signs you can use to avoid falling … Continue reading “Beware of investment scammers”

What does wealth look like to you? Whether it’s stopping smoking, losing weight, eating more healthily or getting fitter, most of us have probably made at least one New Year’s resolution, but how many of us will actually go on to achieve it? We all have different financial goals and aspirations in life, yet these … Continue reading “Financial resolutions”

If the worst were to happen, would your bills still get paid? Everyone should consider protection, even those who don’t have a family or a mortgage! Unless they have substantial savings or inherited wealth, most people rely on their salary to pay for everything. Over the years, you may have taken out a number of … Continue reading “Life is full of uncertainties”