Investing in one or more asset classes
A pooled (or collective) investment is where many people put their money into a fund, which is then invested in one or more asset classes by a fund manager.
Topic: Financial News
Investing for income
In search of good returns from your money
If you are an income-seeking saver in search of good returns from your money in this low interest rate environment and depressed equity markets, we can provide you with the professional advice you need to enable you to consider all the options available. In addition, we can help you determine what levels of income you may need and work with you to review this as your requirements change. Another major consideration is diversification and your attitude towards risk for return and availability. This will determine which asset class you are comfortable investing in.
Fund focus
Are you investing for growth, income or for both?
You should consider whether you are primarily investing for growth, income or for both.
Diversification
Selecting assets that behave in different ways
When deciding whether to invest, it is important that any investment vehicle matches your feelings and preferences in relation to investment risk and return. Hence your asset allocation needs to be commensurate with your attitude to risk. Another key question to ask yourself is: “How comfortable would I be facing a short term loss in order to have the opportunity to make long term gains?” If your answer is that you are not prepared to take any risk whatsoever, then investing in the stock market is not for you.
Investment goals
What are you trying to achieve with your investments?
There are different types of risk involved with investing, so it’s important to find out what they are and think about how much risk you’re willing to take. It all depends on your attitude to risk (how much risk you are prepared to take) and what you are trying to achieve with your investments.
Investing at a time of low interest rates
Investment opportunities when interest rates are low
If you are an income-seeking saver in search of good returns from your savings in this low interest rate environment, we can provide you with the professional advice you need to enable you to consider all the options available. In addition, we can help you determine what levels of income you may need and work with you to review this as your requirements change. Another major consideration is your attitude towards risk for return and availability. This will help to determine which asset classes you are comfortable investing in.
Pre-Budget Report
The key points at a glance
The key points at a glance from Chancellor Alistair Darling’s third Pre-Budget Report.
Economy
UK economy expected to contract by 4.75 per cent this year, with a return to growth in the fourth quarter.
Critical illness cover
Protection for the unexpected
Critical illness policies are the type of policy nobody wishes to have to claim against, yet evidence shows that these are vitally important policies that can support families and secure their financial wellbeing during the worst of times.
Is it time you had a wealth check?
Start the new decade with a new bill of wealth
At every stage in our lives, there are certain circumstances that stand out as important, but it is all too easy to put off planning in our earlier years. We have highlighted some of the important stages in life and the circumstances you might find applicable to your particular situation.
Boosting your pension
Act fast before the end of the tax year
Here are some useful hints that may improve your pension prospects.
Some employers may allow selected staff aged 50 and over (rising to age 55 and over from 6 April 2010) to claim an income from their pension while they work full time. This option has been made possible by changes to pension rules in 2006, known at the time as A-Day. For members of defined benefit schemes, the size of the annual pension payment is cut by a certain percentage for each year the worker claims their pension early. However, members continue to accrue further pension rights under the plan, which is typically based on career-average pay, even when claiming a pension and salary in tandem.