Diversify across different asset classes

Investment Update - Q3 2018

Investment Update - Q3 2018

Pragmatically Cautious

Following the ‘return of volatility’ in the first quarter, the second was characterised by heavy macroeconomic and geopolitical news flow, largely driven from the US and Europe, which manifested itself in large currency swings and divergent asset class return profiles. In financial markets, the most prominent move has been a markedly stronger US Dollar (USD) particularly against Emerging Market (EM) currencies.

Investment Update - Q2 2018

Investment Update - Q2 2018

Less certainty
Our last quarterly update rather presciently asked, could equity markets maintain their remarkable run to new highs? The answer was, for reasons of duration, valuation and variation, no. It was therefore, a considerable surprise to see markets across the globe correct soon afterwards in a volatility spike of impressive proportions. If we were to ask the same question this quarter, the answer would be an unequivocal ‘maybe’.

Market matters

Market matters

Don’t let current global uncertainties affect your financial planning

It’s important not to let current global uncertainties affect your financial planning for the years ahead. People that stop their investment planning, particularly during market downturns, often miss out on opportunities to invest at lower prices.

It’s important to keep to your strategy and keep moving ahead consistently by spreading risk and growing your wealth for the long term. 

Higher inflation and faster interest rate rises

ISA returns of the year

ISA returns of the year

Taking control over where your money is invested tax-efficiently

A new tax year is nearly upon us - and that means, for all diligent savers and investors, you should make sure that you take full advantage of your current individual savings account (isa) tax-efficient allowance.

Sandwich generation

Sandwich generation

Not having enough money for retirement is the biggest concern

Average life expectancy has generally been increasing, and for the ‘sandwich’ generation, saving for their retirement is clearly a big concern, and with plans to contribute financially to support their children and parents, it’s perhaps no wonder.

Making solid financial resolutions

Making solid financial resolutions

Grow your money, and live the life you want

The new year is the prefect time to overhaul your life for the better, and one excellent place to start is by making solid financial resolutions that can help get you closer to your money goals, whether it’s increasing your retirement savings or setting enough money aside for a down payment on a house.

Market sentiment

Market sentiment

It is impossible for investors to predict the future.

Short-term losses can be unsettling, but holding steady through the ups and downs is the best way to reach your long-term investment goals.

A key to successful investing is to remain focused on your long-term objectives and not let short-term trends distract you. Holding onto your investments when times get tough is a proven strategy for staying on track.

Investing in property – still worth it?

Investing in property – still worth it?

Steve Easter, sales director at South Tyneside-based chartered financial planning firm Fairstone Group, looks at the current challenges and opportunities for buy-to-let investors

British landlords have faced a tough time over the last 18 months. Those investing in residential property have had to absorb a three per cent stamp duty surcharge on all new property purchases since April 2016 and as of April this year, tax relief on buy-to-let mortgage interest has been cut back.

Investing for Income

Investing for Income

SEEKING INCOME

Our reasons for seeking income tend to shift throughout life. Shorter-term goals, such as supporting a business start-up or funding children’s education, may be a priority in earlier years before making way for a longer-term focus on boosting retirement income and providing an adequate cushion for later life. The key is working out how much income you need at each stage, and then finding an appropriate investment strategy to help you meet your goals.

CLEAR OBJECTIVES

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