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Why do I own bonds which do not pay me much?

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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Why is diversification so important?

Building an investment portfolio requires a mixture of investment science and common sense. The evidence suggests timing when to be in and out of markets (or sectors, or companies) is extremely difficult. It also suggests identifying a manager who can persistently beat the market is very hard to do in advance. We, therefore, focus on

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What is your approach to investing?

We sometimes refer to the way we invest as mostly being a ‘systematic’ approach. It is our duty to do what is right for our clients. When investing, we build on a foundation of facts. This is because we believe we would be doing our clients a disservice if we did it any other way.

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What is salary sacrifice?

It has become common practice for employees to exchange part of their salary and/or bonus in return for their increasing the pension contribution they pay by the same amount. This can be far more attractive than the employee making a direct pension contribution on his/her own behalf, particularly if the employer is prepared to increase

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What does my portfolio invest into?

What is an equity (or share)? An equity (or share) represents ownership of part of a company. This gives you a right to your share of any dividends paid and a claim on the company’s assets. Returns from equities come from changes in the price of the shares and dividends paid out. Are all equities

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