News & Resources

Income seekers

Not putting all your eggs in one basket

Everybody has investment goals in their life, from the old adage of saving for a rainy day to planning a comfortable retirement. There are many reasons why investors might seek an income stream from their investments, for example, to pay for a dependant’s education, supplement a pension or fund the cost of care, yet achieving it can be hard.

A ‘do-it-yourself’ approach may often seem attractive to some investors who buy a … Read the rest

Wealth journey

Planning your long-term investment objectives

Selecting the most appropriate investment products and undertaking the right planning at the right time to minimise the amount of tax you pay are key to accumulating wealth over the long term. Add to this general economic factors, business conditions and political events, these are just some of the things that can cause uncertainty and volatility in the markets. Over any given time period, the economy can also go through a series of ups and
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Managing risk

Pensioners ‘in the dark’ over how to protect their pots if markets tumble

Many retirees are at risk of overlooking their pension finances by falling into an avoidable trap, according to new research. A third (36%) of people keeping their pension invested through retirement could be hit harder by falling markets as they do not have a cash safety net to fall back on, research has found[1]. And even though two thirds (64%) of retirees are holding cash in reserve,
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Who wants to be a millionaire?

Getting there could be easier than you think – but you’ll need to start young

Parents could make their baby an adult millionaire by starting a pension pot when they are born. Children born this year could become millionaires by their 43rd birthday if their families contribute to a pension for the first 18 years of their lives[1]. The analysis found that parents or grandparents contributing £2,880 per year (£3,600 after tax relief) until their children turn 18 years old
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Positive outcomes

Impact investing without sacrificing returns or profits

For those looking to make the world a better place, but not wanting to sacrifice returns or profits, impact investing aims to support a positive social or environmental impact as well as looking to achieve compelling financial returns at the heart of sustainable investing.

The term ‘impact investing’ was first coined in 2007, although the practice developed over years beforehand. It seeks to generate both social change and a return on capital and … Read the rest

Avoiding hidden dangers in retirement

Make sure you don’t run out of money or face a reduced standard of living

Increasingly, more and more pensioners are keeping much of their pension invested after they retire. This means they’re faced with two very different risks when deciding what to do with their savings in retirement in a world of ‘pension freedoms’. Since April 2015, people who reach retirement have had much greater flexibility over how they use their pension funds to pay for their later years.
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Crypto currencies

Digital or crypto currencies such as Bitcoin, Ethereum and Ripple have been causing a financial frenzy over the past months. Bitcoin is the oldest and most well-known crypto currency created in 2009 by an unknown person using the alias Satoshi Nakamoto.

Transactions are made with no middle men – this means there’s no bank, regardless of the hype around getting rich by trading it. The frenzy was sparked by bitcoin soaring to more than 1,900% in 2017 to around $20,000, … Read the rest

Beware of the scammers

Fraudsters employ increasingly advanced psychological tactics to persuade victims to invest

An estimated £1.2bn is lost to investment scams each year, with share sales, wine investments, land banking and carbon credits commonly used by fraudsters to target potential investors.

Arecent study by Citizen’s Advice found nine out of ten people would fail to spot common warning signs of a pension scam, such as unusually high investment returns, cold calling and offers of free financial advice.

It’s very important to remain … Read the rest

Financial freedom

Creating and maintaining the right investment strategy

Our life is an endless series of daily choices, and how we manage those choices determines the outcome of our life. We all want financial freedom, but how will we achieve it? Financial goal-setting is the key to building wealth.

There are always going to be bumps in the road on every journey, which is why it’s essential to be flexible enough to adjust your plans when the unexpected happens. Your wealth creation … Read the rest

Market matters

Don’t let current global uncertainties affect your financial planning

It’s important not to let current global uncertainties affect your financial planning for the years ahead. People who stop their investment planning, particularly during market downturns, often miss out on opportunities to invest at lower prices.

It’s important to stick to your strategy and keep moving ahead consistently by spreading risk and growing your wealth for the long term.

Higher inflation and faster interest rate rises
At the time of writing … Read the rest

Long-term investing

How to fund a fulfilling life beyond our working years

Healthier lifestyles and medical advances mean that many of us can expect to enjoy longer lifespans than previous generations. However, this creates a significant challenge both for society as a whole and for us all as individuals – how to fund a fulfilling life beyond our working years.

The projections from the Organisation for Economic Co-operation and Development (OECD) suggest that the average man will live to 83.5 by 2052, … Read the rest

Navigating market volatility

 

Protecting your portfolio from the ups and downs of investing

No particular investment consistently outperforms other investments. One of the most effective ways to manage investment risk is to spread your money across a range of assets that, historically, have tended to perform differently in the same circumstances. This is called ‘diversification’.

Blend of assets

While it cannot guarantee against losses, diversifying your portfolio effectively – holding a blend of assets to help you navigate the volatility of markets … Read the rest

Investing for income

How certain innate behavioural traits influence our decision-making

With historic ultra-low interest rates on savings, many investors over the past decade have turned to income-paying funds as an alternative to cash-based savings. Changing life plans and priorities mean we now encounter varying income needs and goals throughout our life and, when investing, certain innate behavioural traits will influence our decision-making. For many people seeking to generate income from savings, the ten years since the financial crisis in 2007/08 have been
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Currency fluctuations

Why foreign exchange markets are in uncharted territory

The summer months are usually the only time when we think about different currencies and their values as we consider what money to take on our holidays. Where should we get our euros or dollars? How much will we need? Should we purchase travellers cheques, cash, a pre-paid card or a combination of each?

But, more importantly, currency fluctuations on foreign exchange markets can have a significant impact on the performance of … Read the rest

Investment wise

Learning from the past and understanding the present

The key to successful investing isn’t predicting the future, its learning from the past and understanding the present. To give your money its best opportunity to grow, whether you’re just starting to build a portfolio or looking to rebalance an existing one, we consider some of the key questions you need to consider to nurture your wealth.

You may think cash is a safe haven even in volatile times, or even as … Read the rest

Securing your financial future

Investing for major life events requires comprehensive investment solutions

If you really want to give your money the potential to grow and you don’t need immediate access to it, think about investing it rather than just saving. You might want to invest for major life events like retirement or paying your child’s or grandchild’s university fees.

Whatever the reason, investing has historically given higher returns than saving in a bank account, but be prepared – with the potential for higher … Read the rest

Inside the mind of a scammer

 

Tactics investment fraudsters use to deceive over-55s

The Financial Conduct Authority (FCA) is urging over-55s to check that investment opportunities are genuine before they part with their money.

This comes as new research[1], commissioned as part of the FCA’s ScamSmart campaign, reveals that only two in five (42%) think they know how to spot a fraudulent investment opportunity. Fraudsters are targeting the growing over-55 population because they are more likely to have money to invest.

Advanced psychological tactics

In … Read the rest

No guarantee can be given that the information provided is accurate in the present or the future. It is not intended to constitute either a statement of applicable law or financial advice, and responsibility cannot be accepted for any subsequent loss following activity or inactivity by any individual or organisation. Indeed, such information should NOT be acted upon without first receiving appropriate and specific professional advice.