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Investment Planning

Cop26: how can I invest more sustainably?

By | Investment Planning

Climate change is top of the agenda as the Glasgow Climate Change Conference (COP 26) comes to an end. World leaders congregated to discuss how to limit emissions and develop more sustainable economies, with varying options on their success. Many people know that there are ways to live in a way that helps protect the environment such as recycling, limiting road and air travel and reducing meat consumption.

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Predicting a stock market crash

By | Investment Planning

Wouldn’t it be useful to know exactly when the stock market will rise and fall? Having this ability would allow us to sell at the “peak” and buy at the “trough” for each investment, allowing us to get the best returns. Unfortunately, no one has a crystal ball and it is unfeasible to predict what will happen. Given this situation, why do investors still try to “time the market”? Are there any “clues” about how the stock market might behave in the future, even if we cannot be completely certain? What does all of this mean for an investor’s strategy, going forwards?

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A guide to portfolio rebalancing

By | Investment Planning

When you start investing it can feel very satisfying to see your investments arranged as you like. You have your goals established (e.g. retire aged 68 with a £300,000 pot), a horizon in view – say, 20 years – and a clear, long-term strategy about your attitude to risk and your mix of assets (e.g. stocks-to-bonds ratio).

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Higher inflation in 2021? What it means for investing

By | Investment Planning

UK inflation has been rising in 2021. It more than doubled in April to 1.5% as clothing, footwear and energy prices rose. Inflation erodes the “real returns” of investments – e.g. if an equity fund rises 4% in value over a 12-month period but inflation also rises 2%, the “real value” of your returns is 2%. As such, many investors are concerned about what this could mean for their investment strategy. Unfortunately, there is no cast-iron method to predict whether inflation will rise significantly within a given timeframe – or by how much.

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How to diversify your portfolio effectively

By | Investment Planning

Pension rules in the UK are notoriously complex. Not only are there multiple types of pensions to deal with, but drawing from them needs to be planned carefully. For instance, did you know that the State Pension is accessible from your State Pension age – 66 in 2021 – but you can only access your defined contribution pension(s) from age 55 (under the 2015 Pension Freedoms)?

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5 ways to become a more savvy investor

By | Investment Planning

How do you get higher investment returns and grow your wealth? This is usually the motivation behind wanting to become a better investor. Yet people have different understandings about what investing is, and how to do it successfully. Here at WMM, our team in Oxford offers their thoughts on what defines investing – and how to invest effectively.

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Ethical investments in 2021: the outlook

By | Investment Planning

The UK has committed to a zero-carbon target by 2050, aiming for a 68% reduction by 2030 (compared to 1990 levels) in the shorter term. Newly-elected U.S. President Joe Biden has also committed to the same target for the USA. Within the investment world, moreover, large asset management firms are trying to meet growing investor demand for environmentally-friendly funds and investment opportunities. In light of the above, what is the current landscape like for ethical investments in 2021? What kind of prospects lie ahead for those looking to increase the “ESG profile” of their portfolio (environmental, social and governance)?

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UK government debt – does it matter to your portfolio?

By | Investment Planning

The COVID-19 pandemic has had many consequences. One of them is a spike in public debt as the UK government rolled out costly support measures such as the Job Retention Scheme (i.e. “furlough”), cash grants for struggling businesses and deferred VAT payments. Whilst arguably necessary, these measures have led to record government borrowing which totalled £2.1tn in December 2020, equivalent to 99.5% of the UK’s GDP (gross domestic product).

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