Carrying out regular portfolio reviews



Make sure that any changes in your attitude to risk are accurately reflected It is important to carry out regular portfolio reviews to consider the suitability of your investments and to make sure that any changes in your attitude to risk are accurately reflected. Over time, your attitude to risk is likely to change. If […]

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Socially responsible investing



Not sacrificing your life principles in exchange for chasing the best financial returns For investors concerned about global warming and other environmental issues, there are a plethora of ethical investments that cover a multitude of different strategies. The terms ‘ethical investment’ and ‘socially responsible investment’ (SRI) are often used interchangeably to mean an approach to […]

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Investing for income



Safeguarding your money at a time of low interest rates How do you generate a reliable income when interest rates are stuck at all-time lows and the Bank of England’s quantitative easing policy of ‘printing’ money is squeezing yields on government bonds (gilts) and other investments? Investors today can still rely on a well-balanced portfolio […]

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Offshore bonds



Utilising tax deferral benefits to minimise tax liabilities Finding the right offshore investments can be a key factor in making the most of your wealth, and it’s not only for the wealthiest of investors. With a few well-advised decisions, you could broaden your investment portfolio.

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Individual Savings Accounts



Tax-efficient investment wrapper holding a range of investments Individual Savings Accounts (ISAs) have been around since 1999 and are tax-efficient investment wrappers in which you can hold a range of investments, including bonds, equities, property shares, multi-asset funds and even cash, giving you control over where your money is invested.

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Investment bonds



A range of funds for the medium to long term Investment bonds are designed to produce medium- to long-term capital growth, but can also be used to give you an income. They also include some life cover. There are other types of investment that have ‘bond’ in their name (such as guaranteed bonds, offshore bonds […]

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Investment trusts



Reflecting popularity in the market An investment trust is a company witha set number of shares. Unlike an open-ended investment fund, an investment trust is closed ended. This means there are a set number of shares available, which will remain the same no matter how many investors there are. This can have an impact on […]

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Unit trusts



Participating in a wider range of investments Unit trusts are collective investments that allow you to participate in a wider range of investments than can normally be achieved on your own with smaller sums of money. Pooling your money with others also reduces the risk.

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Open-ended investment companies



Expanding and contracting in response to demand Open-Ended Investment Companies (OEICs) are stock market–quoted collective investment schemes. Like investment trusts and unit trusts, they invest in a variety of assets to generate a return for investors. They share certain similarities with both investment trusts and unit trusts, but there are also key differences.

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Elitism amongst the privately educated



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According to a recent study by Sutton Trust, more than three quarters of top judges and 70% of QCs have benefited from studying at a private school. Their analysis revealed that high-fliers in the field of law were about 10 times more likely to have gone to an independent school than those who did not. […]

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