The benefits of time in the market for long term investors
Time in the market – is it the best approach for long-term investing? In long-term investing, it’s not about when you invest, it’s often about how long you stay invested. Time in the market, not timing the market, is considered by many a solid path to building lasting wealth. For clarity, this article doesn’t offer […]
A–Z of long term-investing
Do you know your A-Z of long-term investing Keen to learn more about the terms associated with long-term investing? This A-Z of long-term investing is your ultimate reference, covering everything from time-tested strategies to tax-efficient vehicles, and emotional pitfalls to avoid. Related reading The benefits of long-term investing in ISAs and pensions What are the […]
The benefits of long-term investing in ISAs and pensions
Pensions & ISAs – investing for the long term Long-term investing is a strategy where you hold investments, like stocks and shares, for an extended period, typically five years or more, with the goal of maximising returns through compound growth and market recovery. It emphasises “time in the market as opposed to trying to time […]
Time in the market vs. timing the market
Which is best? Time in or timing the market? Many investors dream of finding a way, a magic trick if you will, that enables them to always buy low and sell high. But here’s the truth: even seasoned professionals and traders struggle to consistently time the market. The alternative is often considered a much more […]
Investment considerations during a market downturn
Making portfolio decisions in times of market volatility Periods of market volatility can test even the most seasoned investor. It’s natural to feel unsettled when portfolio values drop and headlines turn gloomy. But at times like these, investment considerations during a market downturn become especially important. A steady hand and a clear long-term perspective can […]
What are the most tax efficient investments for high earners?
How do high earners invest tax efficiently? What are the most tax efficient investments for high earners? After the Budget announcements in October 2024 higher income earners are seeking ways to invest tax efficiently. High earners need strategies that go beyond earning more—they must focus on protecting and optimizing their wealth for long-term financial security. […]
How do ISAs save tax for high earners?
Are ISAs tax efficient for high earners? For high earners in the UK, tax efficiency is a crucial aspect of financial planning. With higher income tax rates and capital gains tax (CGT) liabilities, finding tax-efficient ways to grow wealth is essential. One of the most powerful and accessible tools available is the Individual Savings Account […]
How do higher earners reduce Capital Gains Tax?
How high income earners reduce Capital Gains Tax Capital Gains Tax is a significant concern for high-income earners in the UK, particularly following the October 2024 Budget changes. As a result Capital Gains Tax rates have increased, with basic rate taxpayers now paying 18% (previously 10%) and higher rate taxpayers paying 24% (previously 20%). These […]
Using trusts to reduce or avoid inheritance tax
How does setting up a trust help avoid inheritance tax? When we talk about inheritance tax (IHT), trusts can be really helpful in reducing taxes and keeping wealth safe. This article will explore what trusts are, how they can help with inheritance tax, and why experts called financial advisers are important in managing these special […]
What is wealth planning?
Wealth planning – a short guide Whilst money does not guarantee happiness, it is a resource that can provide the peace of mind and opportunities needed to build a fuller and more fulfilling life. Although wealth planning sounds grand, it’s simply a phrase describing the sensible management of your money. In essence, a wealth planner’s […]
