What now for pensions policy?

Whilst pension freedoms still feel like a recent development for many, they have now been in place for some seventeen months since their introduction in April 2015. That’s beginning to feel like a remarkably long time ago as few further announcements on pension reform have been made for some time. With the arrival of Theresa … Continued

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I have money in property, what should I do post-Brexit?

Many predicted before the EU referendum that a vote to leave would have a negative effect on the property market. Now that Brexit is set to become a reality, that has transferred into worry amongst many with a stake in property, which in turn could make the predicted negativity become a self-fulfilling prophecy. But is … Continued

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The enigma of Premium Bonds

Earlier this month, the top Premium Bonds prize of £1 million was won for the first time since the investment limit was increased to £50,000 in June 2015. The winner, from West Scotland, only the second ever top prize winner from that region, had invested the maximum amount, whilst a second investor from Surrey was also made a millionaire in the same month after investing £23,950.

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A miserable turnaround in the fixed bond savings market

As far as the savings market was concerned, 2015 was the year of the challenger provider. Competition between them ramped up and average rates followed suit, and in turn, positivity started to make a welcome return to the market. However, this improvement was short-lived, as the latest Moneyfacts research, reporting in March 2016, shows a stark reversal of fortune.

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What is diversification?

If you’re new to the investment world, or even if you’re not, it’s likely that you’ve heard the term ‘diversification’ used in relation to your investments. However, you’re certainly not alone if you don’t have a clear idea of what the word actually means for your investments. Read on, and learn everything you ever wanted to know about diversification, but were afraid (or didn’t have the time) to ask!

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What is a Self-Invested Personal Pension (SIPP)?

Self-Invested Personal Pensions (SIPPs) are designed to give you greater control over your retirement savings. With a SIPP you can choose from a wide range of high quality investments, manage them for yourself and consolidate your existing pensions in one place. A SIPP is different to other pension saving forms and can give you more control over your pension through a provider with a wide range of funds and the flexibility to manage your own investments.

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When should you keep faith with an underperforming active fund?

Investors who entrust their savings to active fund managers do so in the hope they will achieve market-beating performance. When the fund starts to dip, it is possible that some investors may forget that short-term bouts of underperformance must be endured along the road to potentially superior long-term results. Ultimately, whether to stick with an underperforming fund is the investor’s decision to make… and a very difficult one at that!

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Should you be worried during significant market falls?

A recent Standard Life article suggests that in simple terms, you probably shouldn’t be worried about recent market falls. Most of us are investing over the long term, and significant market falls happen periodically. Generally, the wrong thing to do when markets fall by a reasonable margin is to panic and sell out of the market – this just locks in a loss. The right thing to do is remember why you’re invested in the first place and make sure that rationale hasn’t changed.

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