Topic: Uncategorized

Brexit triggers saving

Posted on July 3, 2017 by - Uncategorized

Current affairs have a significant impact on how people feel about the economy

People who feel pessimistic about the UK economy or their own personal finances are more likely to plan to save more over the next 12 months to ensure they have a financial safety net, according to a Zurich survey of over 4,000 adults across the UK. (more…)

Pensions revolution

Posted on July 3, 2017 by - Uncategorized

Awareness and understanding amongst the public still remains low

6 April 2017 marked the anniversary of both the new State Pension and the new pension freedoms. These major overhauls have revolutionised the UK pensions landscape, but research from Aviva[1] suggests work to improve pension saving is far from done as awareness and understanding amongst the public still remains low. (more…)

That shrinking feeling

Posted on July 3, 2017 by - Uncategorized

Don’t let your portfolio wealth simply drain away

Millions of Britons could see their savings shrink because they don’t know how to shield them from rising inflation. The findings are according to research by YouGov for Zurich, which found more than a third (37%) of people aged 18 to 65-plus are in the dark over ways to grow their savings enough to at least keep up with rising prices. (more…)

Investment bonds

Posted on July 3, 2017 by - Uncategorized

Life insurance policies where you invest a lump sum in a variety of available funds

Investment bonds are life insurance policies where you invest a lump sum in a variety of available funds. Some investment bonds run for a fixed term, while others have no set investment term. When you cash investment bonds in, how much you get back depends on how well – or how badly – the investment has done. (more…)

Lifetime ISA

Posted on July 3, 2017 by - Uncategorized

Helping you save for a first home or for your retirement at the same time

The start of the new tax year on 6 April 2017 saw the launch of the Lifetime ISA (LISA), which was announced in the 2016 Budget. This is a new type of Individual Savings Account (ISA) designed to help you save for a first home or for your retirement at the same time. To be eligible, you have to be aged between 18 and 39 years old (up until your 40th birthday). (more…)

Stocks & Shares ISAs

Posted on July 3, 2017 by - Uncategorized

Investing in wide range of different tax-efficient investments

An investment trust is a public company that raises money by selling shares to investors, and then pools that money to buy and sell a wide range of shares and assets. Different investment trusts will have different aims and different mixes of investments. (more…)

Investment trusts

Posted on July 3, 2017 by - Uncategorized

Public company aiming to make money by investing in other companies

An investment trust is a public company that raises money by selling shares to investors, and then pools that money to buy and sell a wide range of shares and assets. Different investment trusts will have different aims and different mixes of investments. (more…)

With-profits funds

Posted on July 3, 2017 by - Uncategorized

Stock market return linked but with fewer ups and downs than investing directly in shares

If you save regularly or invest a lump sum using a life insurance policy, you might choose to invest in a with-profits fund. These aim to give you a return linked to the stock market but with fewer ups and downs than investing directly in shares. However, they are complex and are not as popular a form of investing as they used to be.

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Tracker funds and exchange traded funds

Posted on July 3, 2017 by - Uncategorized

Market index following the overall performance of a selection of investments

Tracker funds and exchange-traded funds (ETFs) are investments that aim to mirror the performance of a market index. A market index follows the overall performance of a selection of investments. The FTSE 100 is an example of a market index – it includes the 100 companies with the largest value on the London Stock Exchange. (more…)

Pooled investment funds

Posted on July 3, 2017 by - Uncategorized

Combining sums of money from many people into a large fund spread across many investments

Pooled investment funds – also known as ‘collective investment schemes’ – are a way of combining sums of money from many people into a large fund spread across many investments and managed by a professional fund manager. (more…)