Making investment decisions on behalf of the investor There are many reasons to invest through a fund, rather than buying assets on your own. At a basic level, investing in a fund means having a fund manager make investment decisions on behalf of the investor. You receive reports on the fund’s performance but have no… Continue reading Investing in a fund
Category: All News
Investment bonds
Putting your money in a range of different investment funds Investment bonds are designed to produce medium- to long-term capital growth, but can also be used to give you an income. They also include some life cover. There are other types of investment that have ‘bond’ in their name (such as guaranteed bonds, offshore bonds… Continue reading Investment bonds
Maintaining a diversified portfolio
Spreading risk between different kinds of investments 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. Diversification allows an investor to spread risk between different… Continue reading Maintaining a diversified portfolio
Understanding investment risk
Making informed decisions to improve your chances of achieving your financial goals 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… Continue reading Understanding investment risk
Embracing the benefits of retirement
New lease of life and new-found time As with any new life stage, planning often helps a smooth transition from the old to the new. Preparing properly for anything new requires planning and commitment. Spending time on planning now will ensure you enjoy the retirement you’ve worked hard to achieve. According to new research[1], retirement has meant a new lease of… Continue reading Embracing the benefits of retirement
Deciding what to do with your savings in retirement
Make sure you don’t run out of money or face a reduced standard of living The start of the tax year on 6 April 2017 saw the launch of the Lifetime ISA (LISA), which was announced in the 2016 Budget. This new type of ISA is designed to help you save for a first home… Continue reading Deciding what to do with your savings in retirement
Buying an annuity
A regular retirement income for the rest of your life One way to use your pension pot is to buy an annuity. This gives you a regular retirement income – usually for the rest of your life. In most cases, this is a one-off, irreversible decision, so it’s crucial to choose the right type and… Continue reading Buying an annuity
Taking your pension
Using different parts of one pension pot or using separate or combined pots Under the new flexible pension freedoms rules, you can now mix and match various options, using different parts of one pension pot or using separate or combined pots. Leave your pension pot untouched You might be able to delay taking your pension… Continue reading Taking your pension
Using your pension pot
More choice and flexibility than ever before Under the pension freedoms rules introduced in April 2015, once you reach the age of 55, you can now take your entire pension pot as cash in one go if you wish. However, if you do this, you could end up with a large tax Income Tax bill… Continue reading Using your pension pot
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… Continue reading Financial freedom
