Reviewing your needs and goals

Take the time to think about what you really want from your investments

Anything is possible when you manage your money the right way. It’s well worth taking the time to think about what you really want from your investments. Knowing yourself, your needs and goals, and your appetite for risk is a good start. Your focus should be on ensuring that the inevitable bumps along your investment journey do not force you off course. Continue reading “Reviewing your needs and goals”

Investment objectives – a lifelong process

Protecting your wealth from market ups and downs

Whatever your goals in life are, careful planning and successful investing of your wealth can help you get there. If you’ve got a sufficient amount of money in your cash savings account – enough to cover you for at least six months – and you want to see your money grow over the long term, then you should consider investing some of it. Continue reading “Investment objectives – a lifelong process”

Matters of risk

Investment goals and timescales that influence your choices

If you want to plan for your financial future, it helps to understand risk. If you understand the risks associated with investing and you know how much risk you are comfortable taking, you can make informed decisions and improve your chances of achieving your goals. Continue reading “Matters of risk”

Diversified portfolio

Effective tool for reducing risk and volatility without necessarily giving up returns

When you start investing, or even if you are a sophisticated investor, one of the most important tools available is diversification. Whether the market is bullish or bearish, maintaining a diversified portfolio is essential to any long-term investment strategy. Continue reading “Diversified portfolio”

Positive outcomes

Impact investing without sacrificing returns or profits

For those looking to make the world a better place, but not wanting to sacrifice returns or profits, impact investing aims to support a positive social or environmental impact, as well as looking to achieve compelling financial returns at the heart of sustainable investing. Continue reading “Positive outcomes”

Transferring ISAs

Time to bring your investments together?

If you have accumulated a number of Individual Savings Accounts (ISAs) over the years, keeping them all in one place could give you better control and help you save money. There’s a common misconception that you can’t move your existing ISAs from one provider to another. Transferring your ISAs doesn’t affect its tax-efficient status, but you should make sure that you don’t have to pay penalties or give up valuable benefits. Continue reading “Transferring ISAs”

Back to the future

Visualising what really matters to you is the key to the planning process

Have you ever thought about writing a letter to yourself to describe your ideal future life, long-term life goals and the process of how to plan for them? Imagining what you want your life to be like in the long term when you retire can help you think much further ahead than you might ever have done before. Research conducted for a new campaign[1] shows that over half (54%) of people plan their lives only days (31%) or weeks (23%) ahead. Continue reading “Back to the future”

Driving towards the next phase of your life

Getting the date right can help you reach your destination sooner

At some point you’ll say ‘goodbye’ to your co-workers, get into your car and drive towards the next phase of your life – retirement. But when will that be? The move to retirement is one of the most important decisions you’ll make, so it’s not surprising that determining the date is harder than you may ever expect. Continue reading “Driving towards the next phase of your life”