5 Different Proven Investment Strategies

5 Different Proven Investment Strategies

The investment strategies you use are a key part of your financial plan. Without a good return on your investment it is going to take you a lot longer and require a lot more in savings to achieve all that you want to achieve.   So, are you using the right strategy or...
Why You Can’t Rely On Dividends Alone

Why You Can’t Rely On Dividends Alone

With combined dividends of the FTSE 100 share index yielding around 4.8%, you may be tempted to invest more of your cash in dividend paying stocks.    Why keep money in cash savings earning 0% interest when it could be earning 4.8% from dividend pay-outs?   Whilst...
What Retirement Income You Need

What Retirement Income You Need

Do you know what retirement income you will need? Or what your spending will look like in retirement?  Do you know how much retirement income your current pension and investment portfolio will deliver?   When I start working with clients, many struggle to comprehend...
Investment Risk Just Before Retirement

Investment Risk Just Before Retirement

Over many years it was considered appropriate to reduce your investment risk just before retirement.    After all, if you are soon to be taking money out of your pension fund, it’s logical to want to protect its current value to maximise those withdrawals.   But there...
Sustainable Pension Withdrawals

Sustainable Pension Withdrawals

When you hit retirement you are going to need sustainable pension withdrawals.   If your pension withdrawals are not sustainable it is going to mean a very difficult retirement. You may have to move home, go back to work or worst, not do the things you love and...