Stock market return linked but with fewer ups and downs than investing directly in shares If you save regularly or invest a lump sum using a life insurance policy, you might choose to invest in a with-profits fund. These aim to give you a return linked to the stock market but with fewer ups and… Continue reading With-profits funds
Category: Financial News
Stocks & Shares ISAs
Investing in a wide range of different tax-efficient investments From July 2014, Individual Savings Accounts (ISAs) can now be used to hold stocks and shares or cash, or any combination of these, up to the current annual limit. An ISA is a ‘wrapper’ that can be used to help save you tax. A Stocks &… Continue reading Stocks & Shares ISAs
Lifetime ISA
Helping you save for a first home or for your retirement at the same time 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 Lifetime ISA
Pooled investment funds
Diverse range off unds tha tinvest in different things with different strategies Pooled investment funds – also known as ‘collective investment schemes’ – 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. There are a diverse range of… Continue reading Pooled investment funds
Investing in a fund
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
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
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
Self-Invested Personal Pensions
TAKING MORE CONTROL OVER YOUR PENSION FUND INVESTMENT DECISIONS If appropriate to your particular situation, a Self-Invested Personal Pension (SIPP) could be another option to consider if you require the flexibility to choose where your pension money is invested. SIPPs are now also open to people of lower incomes – not just those with commercial… Continue reading Self-Invested Personal Pensions
