Increasing the long-term value of your investments In the light of more recent market volatility, itís perhaps natural to be looking for ways to smooth out your portfolioís returns going forward. Investing regularly can smooth out market highs and lows over time. In a fluctuating market, a strategy known as pound-cost averaging can help smooth […]

Remember your reasons for investing in the first place Stockmarkets can be unpredictable. They move frequently – and sometimes sharply – in both directions. It is important to take a long-term view (typically ten years or more) and remember your reasons for investing in the first place.

Risk is an implicit aspect to investing If you are going to invest you need to be prepared to take some calculated risk in the hope of greater reward. Risk is an implicit aspect to investing, shares can fall, economic conditions can change and companies can experience varying trading fortunes.

Protecting your money from adverse market conditions Todayís markets are as uncertain as ever. But there is one certainty ñ the future is coming. It may no longer be enough to simply preserve what you have today; you also have to build what you will need for tomorrow. When deciding whether to invest, it is […]

Resisting the temptation to make short-term adjustments Some investors may have had a roller-coaster ride in recent years. A market fall can happen at any time. In years past, theyíve been triggered by natural disasters, oil price spikes, wars, bank collapses ñ and now thereís the eurozone debt crisis. The reality is that market swings […]

What do you want to achieve from your investments? Whatever your needs, we can help. You may wish to entrust the entire wealth management process to us, or make the investment decisions yourself and still leverage our extensive services and expertise.

Isn’t it time to tailor your pension to suit your own personal requirements? More investors are now able to take their entire pension as cash. Flexible drawdown allows you to take up to a quarter of your pension tax free as a lump sum, and then unlimited taxable withdrawals if set criteria are met.

The Government has issued a consultation on allowing transfers between Child Trust Funds (CTFs) and Junior ISAs (JISAs) CTFs were one of Gordon Brownís recurrent Budget ideas. They eventually became reality in April 2005, with the Government making payments of around £250 or £500 for children born after 31 August 2002. Parents and others could […]

The State Pension accounts for 36 per cent of the average retirement income in 2013 One in seven (14 per cent) people planning to retire this year will depend on the State Pension as they have no other pension, according to new research from Prudential.

What reasons do you have for not investing in your future? People who make bad money decisions as well as bad investment decisions can often rationalise them. The most common excuses are included below, but there are plenty of others. These arguments are often elaborate short-term excuses that we use to justify behaviour that often […]