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Portfolio protection

Are we seeing the return of inflation?

It has been easy to grow complacent about inflation in recent years. The rate of inflation has remained stubbornly low, but could inflation be finally returning to Western economies, aided by the ‘Trumpflation effect’?

Concerns about inflation were already on the rise, and Donald Trump’s victory in the US election last year has further stoked expectations that price pressure, absent in most Western economies since the financial crisis, may make a return in … Read the rest

Sustainable investing

Strategies to meet some of the most pressing global challenges ahead

Sustainable investing has gathered momentum across the world in the past decade as investors look for financial returns while helping to achieve a positive impact on the world around them.

Long viewed as a niche asset class catering to wealthy individuals and institutions that wanted to avoid controversial industries, the phrase ‘sin stocks’ emerged to describe firms linked to industries perceived by some to be unethical, such as tobacco, … Read the rest

Don’t put all of your eggs in one basket

Holding a blend of assets to help you navigate the volatility of markets

One of the most effective ways to manage investment risk is to spread your money across a range of assets that, historically, have tended to perform differently in the same circumstances. This is called ‘diversification’.

In the most general sense, it can be summed up with this phrase: ‘Don’t put all of your eggs in one basket’. While that sentiment certainly captures the essence of the issue, it … Read the rest

Forgotten pensions

Out of sight, out of mind

The extent to which pension policies are being forgotten has been revealed in research from Aviva. A survey of almost ten thousand people who hold a pension has revealed that just under one in eight (13%) admitted they have at least one pension that they had forgotten about[1]. This is equal to more than 2.5 million pension policies currently sitting in the back of people’s minds[2].

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Among those with a forgotten pension, the majority … Read the rest

Lifetime Individual Savings Accounts

Make your next move to saving flexibly for a first home and retirement

Lifetime Individual Savings Accounts are being launched by the Government to help 18–40-year-olds to save and invest flexibly for the long term. The aim is that people will not have to choose between saving for their first home and retirement.

They can use some or all of the money to buy their first home or keep it until they’re 60. Similar to normal Individual Savings Accounts, they … Read the rest

Financial futures

Building a nest egg for when children need it

The prospect of a child leaving home is scary enough for parents – and then there’s money to think about. Even if they get a student loan or find work, how will they be able to afford their first car or home? Parents and family often do what they can to help give children a financial leg-up, with many choosing to set aside money for their future during their childhood.

When … Read the rest

Gender savings gap widens

Report findings suggest this trend is set to continue

Half of women (52%) are now saving adequately for their retirement compared to 60% of men, according to the latest Scottish Widows ‘Women & Retirement’ Report. But while this maintains the record high levels achieved in 2015, the gap between men and women has widened since 2014 when 50% of women were saving adequately compared with 55% of men.

Pessimism levels are also higher among women, with nearly three fifths (57%) … Read the rest

Income matters

Providing the foundation for an exciting new chapter in your life

Nobody knows quite what the future holds. The good news is we are all living longer. Advances in medicine and healthier lifestyles have led to an increase in the average life expectancy of both males and females.

The bad news is we have to find ways of funding that retirement and longevity. But low interest rates and bond yields – the traditional sources of income – aren’t sufficient to sustain a … Read the rest

Delegating power

When you are unable to make your own decisions

More than two million Lasting Power of Attorney (LPA) registrations will have been filed by the end of 2016, with the number of appointments more than trebling between 2010 and 2015.

The figures from the Office of the Public Guardian (OPG) were disclosed through a Freedom of Information request by Old Mutual Wealth.

Trusted friend

An LPA is used to delegate power to someone to manage an individual’s personal and/or welfare … Read the rest

Top Trump

Winners and losers from the seismic US election result

After a long and brutal US presidential election campaign, Donald Trump emerged victorious, winning 279 electoral votes and 47.5% of the popular vote. Republicans also maintained majorities in the House and the Senate.

His inauguration is scheduled for Friday 20 January. Trump will be sworn in as the 45th President of the United States on the steps of the US Capitol at noon, when current president Barack Obama’s term expires.

Who are

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