Topic: Investment

Wealth creation life stages

Meeting different goals throughout your life

With increased life expectancy, the goal posts for what are considered short, medium and long term are shifting, more so for younger individuals. This is because someone in their mid-20s today might spend 40 to 45 years working and then have 20 to 30 years in retirement. So those in their 20s and 30s may want to consider medium-term objectives to be between 10 and 30 years, and long term as anything over 30 years.

Goals-based investing

Careful planning and successful investing

If your savings goal is more than five years away, putting some of your money into investments could allow you to earn more from your money and keep up with rising prices. Your wealth should work in all the ways you want it to. Whatever your goals are in life, careful planning and successful investing of your wealth can help you get there. Whatever stage of life you’re at, we’ll help you navigate through the opportunities and challenges you may face.

Millennial money

Social and environmental good as well as financial returns

Building wealth for the future is important, but increasingly people want their investments to do more than make money. Investing ethically means different things to different people.

Inflation matters

One of the biggest threats to the health of your investment portfolio

If you’re investing – especially for major goals years away, such as retirement – you can’t afford to ignore the corrosive effect rising prices can have on the value of your assets.

2019/20 ISA allowance – use it or lose it

Maximise your wealth creation – don’t miss the deadline

Whatever you’re putting money aside for, there’s likely to be a role for Individual Saving Accounts, or ‘ISAs’. An ISA is a way of holding savings or investments without paying personal tax on interest received or on the growth of your investment.

Portfolio diversification

Don’t put all your eggs in one basket

Portfolio diversification is the foundational concept of investing. It’s a risk management strategy of combining a variety of assets to reduce the overall risk of an investment portfolio.

The power of diversification

Insulating your portfolio from any market uncertainty

Brexit is by no means the only cause of market volatility. Whether you believe Brexit will prove a blessing or a curse for the British economy, it’s important to insulate your portfolio from any market uncertainty.

Tax-efficient investing

Legitimate ways for higher earners to reduce a tax bill

Without a carefully developed tax planning strategy, higher-rate taxpayers run the risk of missing out on key tax benefits and paying more in taxes than necessary. A higher tax liability can diminish the value of your investment earnings over the long term.

Saving and investing for a child’s future

Make the right decisions now to help your children or grandchildren in the future

Whether you want to teach your children or grandchildren smart money-management strategies, help them pay for university or set them up for financial success as adults, it’s important to jump-start saving and investing for them early on.