The quick answer is ‘no’ for two main reasons. The first is that few investors invest all their money into equities. You need to have a lot of intestinal fortitude and patience to do this. It is more likely your portfolio will be a mix of equities and higher-quality bonds. The second is that whatever
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Savers seeking to keep early access to pension pots face 2023 deadline Investors must take swift action to safeguard their pension rights the Financial Times warns. This is because the Government plans to increase the age when savers can access their pensions. The Government says it could increase the so-called ‘normal pension age’ to 57 by
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Risk is one of the trickiest subjects to discuss in investing. Investors face many kinds of risk. For those planning their future, the ultimate risk is failing to meet their goals. Addressing this needs a sound investment strategy and solid financial planning. This is vastly different to what many think risk is. They think it
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Five tax threats to your pension The Financial Times ponders five potential tax threats that HMRC could enforce on pensions. Due to the coronavirus pandemic, the Treasury is trying to find avenues to save more money. Unfortunately, this could mean reductions to the tax advantages pension enjoy. The possible areas at risk include the lifetime allowance
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In today’s markets, bond yields are low and those of high-quality bonds are the lowest. In addition, they could quite feasibly crash too with interest rate rises. So why have bonds in a portfolio? It is quite straightforward. Imagine you only hold equities with a portfolio of £200,000. The economy takes a turn for the
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UK advertising watchdog to crack down on misleading crypto marketing The Advertising Standards Authority has informed the Financial Times it plans to pull misleading crypto advertisements. According to the agency, crypto is on a ‘red alert’ in financial advertising. Customers have usually been the ones to highlight potentially damaging adverts. However, the Advertising Standards Agency wants to
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The second quarter of 2021 has seen most major markets continue on an upward path. For once, the UK, as measured by the FTSE 100 was not the laggard, as that prize went to Japan. However, in Q2 the FTSE 100 was still behind the overall global equity performance of 6.8% in sterling terms. This
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How to protect your investment portfolio against inflation Andy Haldane chief economist of the Bank of England warns people and companies have a “dependency culture around cheap money”. He also believes the threat of a quick increase in prices is “rising fast”, reports the Financial Times. He emphasised the need for ideas outside of mainstream central
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Since 6 April 2010, the personal allowance is reduced by £1 for every £2 of income above £100,000. Since then, the personal allowance has almost doubled. It was £6,475 in 2010/11 and now stands at £12,570 in the tax year 2021/22. Income at this level is formally taxed at 40%. However, the fact that anyone
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