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Investment funds

Spreading risk across various asset classes, countries, and sectors

Investing can be complex, especially for those new to it or with limited time and resources. This is where investment funds come in, offering an effective way to diversify your portfolio, gain access to professional management expertise, and potentially lower transaction costs.

Bonds vs equities

Where should income-seekers turn?

UK income-seekers often face the dilemma of choosing between bonds and equities for their investments. Both asset classes have their unique advantages and risks.

Pooled investment funds

A gateway to diverse asset classes and strategies

Pooled investment funds offer individuals with relatively small investments an opportunity to participate in various asset classes and benefit from professional fund management. Known as ‘collective investment schemes’, these funds aggregate resources from multiple investors to achieve greater financial impact.

Investment bonds

Exploring why they are an attractive option to mass-affluent investors

Onshore investment bonds typically carry a lower risk and contribute significantly to a well-rounded portfolio. Historically, numerous investors have opted for a 60% equities and 40% bonds split in their portfolios, as these two assets often (keep in mind, not always) exhibit contrasting performances under varying economic circumstances – a beneficial attribute during market volatility.

Investment trusts

Different objectives and a diverse mix of investments

When it comes to investing, there are several avenues to explore. One such route is through investment trusts. An investment trust is a public limited company that raises capital by selling shares to investors. This pooled money is used to buy and sell a broad range of shares and assets. Each investment trust will have different objectives and a diverse mix of investments.

Individual Savings Accounts (ISAs)

Maximising your tax-efficiency

When it comes to investing, tax-efficiency plays a significant role in the overall returns on your investments. One method that UK residents can use to minimise the amount of tax they pay on their investment returns is through an Individual Savings Account (ISA).

Adjusting your investment portfolio with age

Is your asset allocation aligned with your risk tolerance?

Your retirement portfolio serves as crucial financial support for an enjoyable retirement. Retirees with substantial portfolios may enjoy living off returns without touching the principal. However, those with smaller portfolios will likely need to access their funds eventually.

Maximising your investments in your 50s

Time to evaluate whether you need to modify your objectives or saving strategies?

As you enter your 50s, retirement is no longer a distant dream but a rapidly approaching reality. Ensuring that your investments work diligently to secure the lifestyle you envision for your golden years is crucial. By optimising your financial strategy now, you can confidently retire according to your personal goals and aspirations.

Investing after retirement

Ensure your hard-earned savings continue to support you

As you enter your golden years, the excitement of finally retiring may be tinged with some uncertainty. With the working days behind you, it’s natural to wonder if you’ve amassed sufficient resources and how best to utilise them.

Future wealth

Ready to start investing for your grandchild’s future?

Investing in the future of your grandchildren is a great way to help them prepare for their financial needs in life. By setting aside money now, you can provide them with added security and increased opportunities in the years to come. Investing for grandchildren can be used to help fund college tuition, make a down payment on their first car or home, or even start a retirement fund.