Many people are unsure what to look for in an investment adviser. Today, I wanted to share three key values that I see as central to any successful client-adviser relationship.
What to look for in an investment adviser - 3 key values
Historical ISA limits - how you could have become an ISA millionaire
In a recent post called ISA allowances history and why adding the maximum makes sense, we looked at the history of ISA allowances. Today I want to give you more detail and explain why we believe ISAs are one of the UK’s best-kept secrets. There's no doubt that they can play a major part in providing you with a secure future and comfortable retirement.
Tags: ISA investing tips, ISA millionaires, Achieving your investment goals
ISA millionaires – my top ten tips for joining their ranks
Almost half the adult population in the UK now has money in an Individual Savings Account (ISA). Most accounts are worth under £100,000, but there are scores, maybe hundreds, of investors who over the years have built up tax-efficient accounts worth more than £1m, in some cases considerably more. They are ISA millionaires.
Tags: ISA investing tips, ISA millionaires, Achieving your investment goals
Choosing the best ISA portfolio for you - Model portfolios for low to medium risk investors
We all have different attitudes to investment risk. Some people are willing to accept greater risk and volatility in the pursuit of higher returns. Other people are looking for less risk, while still aiming to achieve their personal financial goals.
The level of risk and volatility you face is directly linked to where your ISA portfolio is invested. In this post, we'll look at how medium to low risk investors can make a better informed decision around the percentage of their portfolio they use to aim for growth.
Tags: ISA investing tips, Investment funds, Better performance, Better protection, Investment risk, Achieving your investment goals
Why is ISACO’s annual investment target 12%-15%?
We are sometimes asked why our annual investment target is 12-15% growth. In short, we set this goal because of our track record of outperforming the stock market. This means we can have a higher investment target than traditional financial advisers.
Tags: Better performance, Investment outlook, Achieving your investment goals
Moving into an ISA cash park when a bear market surfaces
If your plan is to outperform the stock market over the long-term, you absolutely have to know the market's current state of health. Is it in a healthy uptrend, meaning it is safe to invest, or is it showing signs of an unhealthy downtrend? If it's the later, you should be out on the sidelines in the safety of an ISA cash park.
7 SIPP investing mistakes that can damage your capital's growth
In this post I'll look at 7 of the most common SIPP investing mistakes. A Self-Invested Personal Pension (or SIPP) is the name given to the type of UK-government-approved personal pension scheme, which allows individuals to make their own investment decisions from the full range of investments approved by HM Revenue & Customs (HMRC).
Tags: Better performance, SIPP investing tips, Achieving your investment goals
Are you getting value for money from your investment adviser?
In this post, I'd like to take you through the likely performance of financial or investment adviser over a ten year time span. We'll then compare this to ISACO. We'll use an investor with a £250,000 ISA and SIPP portfolio as an example.
ISA allowances history and why adding the maximum makes sense
Today I want to share with you an overview of historic ISA allowances. This is important as it shows the true potential of what’s possible when investing in ISAs. ISA history also ties in very nicely with Tip #7, ‘Invest the Max’ from our Top 10 Tips for Successful ISA Investing
The consequences of poor investment performance
Today I would like to share a true but shocking statistic with you. Did you know that 80-90% of financial advisers underperform the stock market. This means that most advisers will achieve less than the FTSE 100’s growth.
This underperformance by advisers can have serious consequences for investors. Over the last twelve years, if you’d been taking your guidance from an adviser, your performance will probably be either in line with the FTSE 100’s 19.6% cumulative loss or possibly worse.