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Saving & Investing

 
 
Good-bye Help to Buy

Good-bye Help to Buy

November 8, 2019

If you want to open a Help to Buy ISA, you will need to be quick because the Help to Buy ISA is due to close to new customers on 30th November. However, don’t despair the successor to the Help to Buy ISA was launched back in April 2017 and is well underway, so until the end of the month, you have two options to help you save for your first home, the Help to Buy ISA and the Lifetime ISA, often referred to as the LISA. So, what’s the difference between these two ISAs?

Category: Financial Planning, Saving & Investing

 
Styles of Investing; Active or Passive

Styles of Investing; Active or Passive

November 8, 2019

Before I became a financial planner, investing was all about making money and buying a ‘hot stock’, 25 years later, I reflect on my naivety and appreciate how others may also be thinking this and asking themselves what is the right way to invest?

Category: Saving & Investing

 
How to save for your first home!

How to save for your first home!

October 18, 2019

With the average cost of a property in the UK for a first-time buyer at £210,000, it’s difficult for millennials to get onto the housing ladder without the help of mum and dad, so I wanted to share my thoughts about how you can save to get on the property ladder.

Category: Financial Planning, Saving & Investing

 
Investment Risk…  what is it?

Investment Risk… what is it?

October 11, 2019

Investment risk is probably the most important area of clarification, between a financial planner and client. I know there are many other areas, which seem important, and they are, I am not reducing their importance, but if there is a single area of potential dissatisfaction for a client, then investment risk is the one!

Category: Saving & Investing

 
Gold: Is it a golden investment? or has the shine worn off?

Gold: Is it a golden investment? or has the shine worn off?

October 8, 2019

Gold, some like wearing it, others worship it, and some buy it as an investment, but is it right to buy gold as an investment? To answer this question, I guess it makes better sense to first define what an investment is, what gold is and see how it has performed based on an alternative.  Then we can make our own minds up, based on the facts.

Category: Saving & Investing

 
How to save £1million for your retirement

How to save £1million for your retirement

October 4, 2019

How much do you need to save for retirement? The answer to this question is probably, more than you think. Many financial experts would start with £1 million, which is likely to provide you with a taxable income of around £40,000pa. So how much do you need to earn & save in order to reach this target?

Category: Retirement & Pensions, Saving & Investing

 
Investing your money: the fundamentals

Investing your money: the fundamentals

August 30, 2019

So you’ve got your financial foundations in place, and now you’re ready to invest for your future! So what’s the best way to invest your money? Well there are three ways you can do this: DIY buying shares, active management, or index funds. Find out more about each of these options and other things to consider when investing.

Category: Saving & Investing

 
Mutual Funds: what are the total costs of ownership

Mutual Funds: what are the total costs of ownership

August 8, 2019

Mutual funds have many costs, all of which affect the net return to investors. One easily observable cost is the OCF. Like the list price of a car, the OCF tells you a lot about what you can expect to pay for an investment strategy. OCF strongly influence fund selection for many investors, and it’s easy to see why.

Category: Saving & Investing

 
How do currency returns affect your international investments?

How do currency returns affect your international investments?

August 1, 2019

Many investors take a global perspective when building portfolios to achieve their investment goals. Currency returns can be volatile, creating winners and losers. While there is little evidence that currency movements can be predicted, investors still want to know about whether to hedge their currency exposure.

Category: Saving & Investing