Investing in a fund

Posted on July 4, 2018 by - Uncategorized

Making investment decisions on behalf of the investor

There are many reasons to invest through a fund, rather than buying assets on your own. At a basic level, investing in a fund means having a fund manager make investment decisions on behalf of the investor. (more…)

Pooled investment funds

Posted on July 4, 2018 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…)

Tracker funds and exchange traded funds

Posted on July 4, 2018 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…)

With-profits funds

Posted on July 4, 2018 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. (more…)

Investment trusts

Posted on July 4, 2018 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…)

Stocks & Shares ISAs

Posted on July 4, 2018 by - Uncategorized

Investing in wide range of different tax-efficient investments

From July 2014, Individual Savings Accounts (ISAs) can now be used to hold stocks and shares or cash, or any combination of these, up to the current annual limit. An ISA is a ‘wrapper’ that can be used to help save you tax. (more…)

Lifetime ISA

Posted on July 4, 2018 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…)

Investment bonds

Posted on July 4, 2018 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…)

Make it a date

Posted on May 2, 2018 by - Uncategorized

Keeping your target retirement plans on track

Most over-45s are not making plans to match their hopes for the future, according to research from Standard Life[1]. The vast majority (86%) of those aged 45 or over are already dreaming about escaping their working life for retirement, but only 8% of the same age group have recently checked the retirement date on their pension plans to make sure it is still in line with their plans. (more…)

Protecting your estate for future generations

Posted on May 2, 2018 by - Uncategorized

Many individuals find the Inheritance Tax rules too complicated

If you struggle to navigate the UK’s Inheritance Tax regime, you are not alone. Whether you are setting up your estate planning or sorting out the estate of a departed family member, the system can be hard to follow. Getting your planning wrong could also mean your family is faced with an unexpectedly high Inheritance Tax bill. (more…)