Why Asset Allocation Matters When Investing
Investing is an uncertain pursuit, as you have to carefully navigate an ever-changing financial climate. Perhaps the only certainty is that the value of your investments will go up as well as down, so it is really important that you allocate your assets carefully to help you stay on course. Here are some key issues you should be considering when you are making crucial decisions: Exposure to risk If…
A Guide to Investing
Investing is a great way to increase your wealth and work towards achieving your financial objectives, or boost your income to improve your lifestyle. But, it is by no means a smooth process, so what should you do in order to make the most of your investments and stay on course to achieve your goals? Diversify – If you limit your investments to one market or industry, you could…
Should Young Adults Consider Financial Advice?
Starting financial planning at an early age is key to developing good monetary habits – which can make all the difference in achieving future financial success. For people in their early thirties, this is the time to learn about finance and start saving for the future. Not only can seeking advice from a regulated professional improve your financial situation, but there are other benefits alongside that too. Many young…
Cash vs Stocks & Shares ISAs
It can be difficult to decipher what the best options are for you to save and invest your money. With interest rates now higher than they have been for the past 10 years, more people are considering placing their savings into Cash, rather than an invested option, such as a Stocks & Shares ISA. So what do you need to know about these options? If you look at this…
Should I be worried about a new banking crisis?
You cannot have failed to have noticed some rather worrying headlines recently, from the collapse of Silicon Valley Bank, which led to HSBC buying its UK arm for just £1, to the £2.5bn takeover of Credit Suisse by UBS, in a move backed by the Swiss government. Six leading central banks, including the Bank of England, are boosting the flow of US dollars to keep credit flowing to households…
Take a long-term view of your investments
Investments go up as well as down. It is one of the most basic principles of investing that we are told early on in the process. So why do so many of us panic when conditions in the market are less than ideal? In a climate of high inflation, soaring energy prices, war in Europe and looming recession in the UK, you might be thinking of cutting your losses.…
How to make the most of your investments in 2023
Investing can be a good way to make your money work harder for you, so you can build wealth faster than you could if you put it in a savings account. But the value of your investments can go down as well as up and can expose you to a greater level of risk than leaving your money in the bank. So how can you make the most of…
What is the difference between an ISA and a Pension?
There are a number of crucial differences between pensions and ISAs, which are important to be aware of as you’re building a financial plan. Firstly, you can only get tax relief on pensions. But you can’t access your pension savings until you’re aged 55, whereas with a cash or stocks and shares ISA, you can access the funds any time you like. Let’s look at what this means when…
Stay calm amid tough economic headwinds
You don’t need us to tell you that investors have had a lot to deal with in the last few years. From a once-in-a-century pandemic to the Ukraine war, along with political upheaval in the US and the UK and soaring inflation across the globe, it’s been a tough period, to say the least. In the face of such grim headlines and events, it’s perhaps no surprise that you…
Does Green Finance matter to you?
Green finance is a rapidly growing part of the financial services market, with more and more providers offering products that help to protect the environment or allow people to manage the impact of their investments on the natural world. This push for green finance is certainly resonating with the wider public, as according to a report from cloud banking platform Mambu, 48 percent of people believe access to green…
