Topic: Investment

Hedging against downside risk

Divergent monetary policies and growth
trends could be key themes of 2015

The return of volatility – as valuations and investor complacency remain elevated – will make it vital for investors to consider hedging against downside risk and cut back on ‘me too’ investments this year, according to the BlackRock Investment Institute’s (BII) 2015 Investment Outlook.

Trust in your future

Exposure to a range of assets through a single investment

In performance terms, the attraction of investment trusts is consistently evident. They allow you to pool your money with that of other investors to get exposure to a range of assets through a single investment and are listed companies that issue a fixed number of shares quoted on a stock market, such as the London Stock Exchange.

Influencing factors to managing your future wealth

When was the last time you revisited your investment goals?

It’s vital to know why you’re investing. The first step is to have a good think about your financial situation and your reasons for investing. Whatever your personal investment goal may be, it is important to set your time horizon at the outset, as this will impact on the type of investments you should consider to help achieve your goals. It also makes sense to revisit your investment goals at regular intervals to account for any changes to your personal circumstances.

NISA Countdown

Time is running out if you want to make the most of your tax-efficient savings allowance

If you are keen to take advantage of the New Individual Savings Account (NISA) allowance, now increased to £15,000, and make the most of your tax-efficient savings, time is running out. You only have until 5 April to fully utilise your 2014/15 NISA allowance, after which it will be lost forever.

Wealth attraction

Legally minimising or mitigating taxation on current and future tax liabilities before 6 April 2015

Tax planning is a very complex area covering many forms of tax. No one likes paying more tax than they legally have to, but one of the challenges of wealth is the high taxation it attracts. For some individuals the need for specialist professional advice has never been greater. With the current tax year end rapidly approaching, we’ve provided some tax planning areas for you to consider before 6 April 2015.