What investment approach is right for you?

Your decision can have a big impact on your returns Should you invest all of your money in one go or drip-feed it into the stock market over time? The answer will ultimately depend on whether you have a lump sum to invest or not, but it can have a big impact on your returns. […]

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Choosing investments

What you need to know to become a more confident investor Before you choose or make any investment decisions, you need to know that investing involves the possibility of loss. These key considerations help you become more confident about your investment decisions.

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Appetite for risk

Striking the right balance is important to avoid losses While diversification is important, you should keep in mind how much risk you are prepared to accept on your money. If it is important to you to avoid losses, you may want a portfolio that has less in shares and more in cash and fixed interest […]

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Portfolio diversification

Spreading your money between different kinds of investments Diversification, the spreading of your money between different kinds of investments (‘asset classes’) and different kinds of investment product, helps reduce the risk of your overall investments (referred to as your ‘portfolio’) under-performing or losing money.

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What are your investment options?

Helping you reach your long-term financial goals In the current economic climate, with interest rates still around record lows, investing in the markets could enable you to achieve an inflation-beating return and help you reach your long-term financial goals. If you’ve got sufficient money in your cash savings account – enough to cover you for […]

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State benefit confusion

Pension confusion

Families could be missing out on thousands Half (49%) of parents are confused by the array of state benefits available to them, and many don’t claim them even though they are eligible according to figures from LV=’s 13th Cost of a Child study. All parents qualify for Child Benefit unless they (or, if a couple, […]

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Smoothing out your portfolio’s returns


Increasing the long-term value of your investments It’s natural to be looking for ways to smooth out your portfolio’s returns. Investing regularly can smooth out market highs and lows over time. In a fluctuating market, a strategy known as ‘pound-cost averaging’ can help smooth out the effect of market changes on the value of your […]

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New State Pension


How much will I get under the new State Pension? The State Pension changed on 6 April 2016. If you reach State Pension age on or after that date, you’ll now receive the new State Pension under the new rules. The aim of the new State Pension is to make it simpler to understand, but […]

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Planning for the future

open sky

Why it’s important to know your start and end points Reaching wealth goals and achieving personal ambitions are major objectives of the financial planning process. In order to make plans for the future, you need to know where you are today and where you want to be in the future. Wealth goal-setting is very much […]

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SFIA Launch Client Services Website


SFIA have recently launched a new website aimed to serve its clients, by providing a knowledge centre of topical and relevant financial information. The site presents our range of our services, our position in the market and how we work with our clients to deliver first class independent financial advice.

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