Let’s face it, the current government is getting into a bit of a pickle over Brexit and it’s probably going to cost them dear at the next General Election. So I thought I would take this opportunity to look at how different governments affect your investments.… Continue Reading
News & Views
If you are reading this I’m pretty sure you have made a bad investment choice at some point in your life. I know I have.
In fact, you could be making a bad investment choice right now by sitting on cash and waiting for the right time to buy into the stock market.
A bad investment choice usually means seeing the value of your investment fall significantly or worse, you lose money as a result of selling.
Now don’t get disheartened, don’t let past mistakes leave you with little confidence in investing. As humans we are programmed to be rubbish investors.… Continue Reading
When it comes to investing you are pretty much faced with two choices, active or passive investments.
Active investment funds are where the fund manager will attempt to beat the collective market where he or she operates, whereas passive funds (also known as index trackers) track the overall returns for that market.
You may have gathered from previous articles that I am a big advocate of passive funds and the main reason for this is because the average passive fund MUST beat the average active fund. It’s a case of simple maths.
The phrase “my business is my pension” is one I hear quite often from business owners and I get it. It takes a lot of sacrifice, both mentally and physically, to build your own business and also a lot of personal expense.
It can mean pouring all your finances into your business in the hope that one day it has enough value to it that you can sell it and ride off into the sunset. For some they may decide to keep the business and take a backseat in the future while still maintaining an income.
As hard as it is you should never rely solely on your business to provide for your retirement. You would be taking a massive risk that could mean you end up not only losing the business you built, but losing your retirement too.
The start of a new tax year has seen stock markets around the world continue their positive 2019 with the majority edging up and up, closer to the highs of last year.
On an individual company basis it was a mixed bag for those new companies listing on the stock market for the first time, and possibly the end of another famous UK high street brand.