‘What if’ scenarios

Feel more financially secure and independent

Anything is possible when you manage your money the right way. But it’s important to have realistic expectations of what your financial resources can achieve to enable you to achieve your financial and lifestyle goals, without putting your future plans at risk.

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Income inflows and expenditure outflows

Creating a picture of your finances, now and in the future

It’s important to evaluate your financial and lifestyle goals if you want to plan for your future responsibilities and aspirations.

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Help your wealth flourish

Influence how your investments are managed in future

You need to consider what you really want from your investments. Knowing yourself, your needs and financial and lifestyle goals, and your appetite for risk is a good start. Bumpy rides in the stock market are nothing new, but they can be hard for investors to deal with.

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What matters to you?

Spreading risk between different kinds of investments

A successful personal lifestyle financial plan has no value unless it is properly implemented through an appropriate investment strategy. If you’ve got a sufficient amount of money in your cash savings account – enough to cover you for at least six months – and you want to see your money grow over the long term, then you should consider investing some of it.

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Smoothing market volatility

How to avoid trying to second-guess market movements

Fear and worry is understandable, particularly as the coronavirus (COVID-19) outbreak led to the biggest daily drop in the FTSE 100 since the financial crisis. Trying to second-guess the impact of events such as the coronavirus or the recent global stock market volatility – or even attempting to make a bet on them – rarely pays off and understandably can deter some people from investing.

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Risk for return

Investment goals and timescales influence how much risk you’re willing to take

The words ‘saving’ and ‘investing’ are often thrown around interchangeably – however, they play very different roles when it comes to your financial goals. Thats why if you want to plan for your financial future, it helps to understand risk associated with both.

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Bullish or bearish

Understanding of how various asset classes work together,

When you start investing, or even if you are a sophisticated investor, one of the most important tools available is diversification. Whether the market is bullish or bearish, maintaining a diversified portfolio is essential to any long-term investment strategy.

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Investing for your future

What could rising prices mean for your money?

The post-war years are often thought of as a time of economic stability, but the high inflation in the 1970s saw significant losses for savings and investors. Since this period, generations have become accustomed to low inflation. But what could rising prices mean for people with investments?

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Pooled Investment funds

Investing in different things, with different strategies

Pooled investment funds – also known as ‘collective investment schemes’ – are a way of combining sums of money from many people into a large fund spread across many investments and managed by a professional fund manager.

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Retirement planning journey

What you need to consider at every life stage

When you’re starting out working in your 20s, you may not be thinking about retirement in 40 years. The same goes for your 30s, 40s and even 50s. There is always something on the horizon you could be saving for besides your retirement.

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