Category: Investments

What to consider when investing for a child’s future

22.10.2019

Children born today have a one in four chance of celebrating their 100th birthday. It’s progress that should certainly be celebrated but one that also leads to financial questions. How do you prepare for a life that could span ten decades? Many parents choose to put some money aside for children to give them a helping hand when they reach adulthood. Whether you’ll be making regular payments or adding money on Christmas and birthdays, you’ll...

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Bonds: How do they fit into your investment portfolio?

22.10.2019

Bonds are a common feature in many investment portfolios, alongside stocks, shares and cash assets. But how do they fit into your investment portfolio and what percentage should be allocated to bonds? What is a bond? Before diving into purchasing bonds, it’s important to understand exactly what they are and, therefore, how they can be beneficial to you. A bond is essentially a loan made by an investor to a borrower, which may be a government...

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Investment market update: August 2019

10.09.2019

Welcome to our latest update of the investment markets. We take a quick look at some of the key factors that influenced the stock market in August and could continue to do so over the coming months. August has been characterised by volatility, recession fears and the ongoing trade war between the US and China. Rising gold prices and falling bond yields over the last month suggest that investors are worried about uncertainty. UK Now, just months...

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4 things to consider when managing pension investments in retirement

10.09.2019

Since 2015, retirees have had far more control over their pensions. Rather than purchasing an Annuity, more are choosing to leave their pension invested. This has benefits and can help you build a flexible income, but there are things to keep in mind too. Figures from HM Revenue and Customs (HMRC) revealed that in the second quarter of 2019, retirees withdrew £2.75 billion from their pension flexibly. It represents the greatest amount withdrawn...

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Investment update: July 2019

31.07.2019

Welcome to our August update for the investment markets. We take a quick look at some of the key factors that have been influencing the stock markets and could continue to do so over the coming months. Unfortunately, the latest news paints a gloomy picture for UK and Europe economies. UK At the top of news from the UK in July, is Boris Johnson being crowned winner of the Tory leadership race; he became Prime Minister on 23rd July 2019. The UK now...

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Just a fifth of investors stuck to their plan during 2018 volatility

31.07.2019

2018 proved a difficult year for investors. Volatility meant many saw the value of their investments fluctuate and it led to the majority tinkering with their long-term financial plans amid concerns. However, it’s a step that may not be right for them and could mean lower returns over the long term. During a year that was characterised by global economic concerns and uncertainty, from Brexit to a trade war between the US and China, investment...

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What influences your risk profile?

09.07.2019

Risk profile is something we mention a lot when looking at investments and other key financial decisions. But what has an impact on your risk profile? Investing naturally comes with some level of risk and values will rise and fall over time. However, the amount of volatility experienced varies hugely. Typically, the greater the level of risk and volatility you take on, the higher the potential returns, but there is a greater chance that values...

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What we can learn from the Woodford fund suspension

09.07.2019

Fund manager Neil Woodford has been making headlines for all the wrong reasons recently after suspending withdrawals from his flagship Equity Income fund. Unsurprisingly, it’s caused concern among investors, whether they held cash in the fund in question or not, but there are some things that can be learnt from it. What happened with the Woodford Equity Income fund? During his time at investment managers Invesco, Neil Woodford built up a stellar...

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Calculating your investment risk profile

16.04.2019

The investment market has been experiencing volatility lately and it may mean you're considering whether your current risk profile is still appropriate. All investments carry some risk but there are numerous different risk profiles to consider; what's right for one person can be very different from another. Calculating the level of risk you can afford to take with your investments can be complex, there are numerous different factors to consider,...

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Protecting your money from inappropriate investment products

16.04.2019

It’s natural to want your hard-earned savings to grow as much as possible. However, as the saying goes ‘if something seems too good to be true, it probably is’. When we hear about people losing their life savings, it’s often related to scams and fraudsters. However, recent headlines show that getting sucked into inappropriate products can be just as dangerous. The case of London Capital & Finance Over the last few weeks, you may have...

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