A time-tested method for controlling risk over time

It’s natural to be looking for ways to smooth out your portfolio’s returns. 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 out the effect of market changes on the value of your investment, and is one way to achieve some peace of mind through this simple, time-tested method for controlling risk over time. Read the rest of this entry »

Remember your reasons for investing in the first place

Stock markets 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. Read the rest of this entry »

One of the most important investment decisions you ever make

How you choose to allocate your wealth between different asset classes will be one of the most important investment decisions you ever make. Asset allocation can account for the majority of your portfolio returns over the long term, so it’s essential that you achieve the right balance of cash, fixed income, equities and property in your portfolio. Read the rest of this entry »

Protecting your money from adverse market conditions

Today’s markets are as uncertain as ever. But there is one certainty – 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 important that any investment vehicle matches your feelings and preferences in relation to investment risk and return. Read the rest of this entry »

Understanding asset classes

There are four main types of investments, known as ‘asset classes’. Each asset class has different characteristics and advantages and disadvantages for investors. Read the rest of this entry »

Allow your lifestyle to dictate your investment approach

To make the most of your investment opportunities, allow your lifestyle and not stock market fluctuations to dictate your investment approach. Your goals are what count, so keep them firmly in mind when you make financial decisions.  Read the rest of this entry »

Taking risk with some of your money to achieve a sustainable retirement income

Sourcing a sustainable retirement income is essential, but you also have more options than ever before to help you find a solution. After you have made adequate provision for your essential needs, you may want to consider if you can afford to take any risk with some of your money to aim for better returns. Read the rest of this entry »

4.8 million retirees are ‘going without’

The British would like to have three quarters of their working income in retirement. However, pensions remain an obscure topic for many, and 44% have not yet started to save for retirement [1]. Read the rest of this entry »

When was the last time you discussed the family’s finances?

The unexpected death of a spouse can lead to considerable financial problems if the surviving partner is not fully aware of the state of the family’s finances. All too often, couples do not fully discuss the implications of the death of a spouse or partner, and this can create additional stress that could easily have been avoided. So it’s worth taking some time out to consider the following areas of your family’s finances. Read the rest of this entry »

Flexibility to use your pension pot in the way that suits your needs

Working out how to make adequate financial provision for retirement is one of the most important financial decisions most of us will ever face. However, it can be a daunting topic, and the options may seem overwhelming. Over the past year, there has been a seismic change to the retirement landscape with the introduction of the Government’s ‘pension freedoms’. Read the rest of this entry »