Wealth creation life stages

by libertas2019 on March 12, 2020

Meeting different goals throughout your life

With increased life expectancy, the goal posts for what are considered short, medium and long term are shifting, more so for younger individuals. This is because someone in their mid-20s today might spend 40 to 45 years working and then have 20 to 30 years in retirement. So those in their 20s and 30s may want to consider medium-term objectives to be between 10 and 30 years, and long term as anything over 30 years.
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libertas2019Wealth creation life stages

Goals-based investing

by libertas2019 on March 11, 2020

Careful planning and successful investing

If your savings goal is more than five years away, putting some of your money into investments could allow you to earn more from your money and keep up with rising prices. Your wealth should work in all the ways you want it to. Whatever your goals are in life, careful planning and successful investing of your wealth can help you get there. Whatever stage of life you’re at, we’ll help you navigate through the opportunities and challenges you may face.
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libertas2019Goals-based investing

Inflation matters

by libertas2019 on March 10, 2020

One of the biggest threats to the health of your investment portfolio

If you’re investing – especially for major goals years away, such as retirement – you can’t afford to ignore the corrosive effect rising prices can have on the value of your assets.
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libertas2019Inflation matters

Millennial money

by libertas2019 on March 9, 2020

Social and environmental good as well as financial returns

Building wealth for the future is important, but increasingly people want their investments to do more than make money. Investing ethically means different things to different people.
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libertas2019Millennial money

Maximising returns

by libertas2019 on March 9, 2020

Importance of mitigating key investment risks

Asset allocation depends on your goals, your attitude to risk, your capacity for loss and market conditions. Understanding investment risk and determining what level of risk you feel comfortable with before you invest is an important part of the investment decision process. Potential returns available from different kinds of investment, and the risks involved, change over time as a result of economic, political and regulatory developments, as well as a host of other factors.
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libertas2019Maximising returns

Diversification

by libertas2019 on March 9, 2020

Spreading your money across different investment types and sectors

If we could see into the future, there would be no need to diversify our investments. We could merely choose a date when we needed our money back, then select the investment that would provide the highest return to that date.
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libertas2019Diversification

Unintended investment consequences

by libertas2019 on March 9, 2020

Staying disciplined and sticking to your plan is key

The overall direction of developed stock markets is a relentless and continual rise in value over the very long term, punctuated by corrections. It’s important not to let global uncertainties affect your financial planning for the years ahead. Individuals who stop their investment planning, particularly during market downturns, can often miss out on opportunities to invest at lower prices.
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libertas2019Unintended investment consequences

Individual Savings Accounts

by libertas2019 on March 9, 2020

Transforming your investment outcomes

Investing through a tax-efficient wrapper, such as an Individual Savings Account (ISA), can give a significant boost to an overall investment portfolio, but it should be blended with an appropriate investment strategy to give the best outcome.
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libertas2019Individual Savings Accounts

Tracker funds and exchange traded funds

by libertas2019 on March 9, 2020

Market index following the overall performance of a selection of investments

Tracker funds and exchange-traded funds (ETFs) are investments that aim to mirror the performance of a market index. A market index follows the overall performance of a selection of investments. The FTSE 100 is an example of a market index – it includes the 100 companies with the largest value on the London Stock Exchange.
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libertas2019Tracker funds and exchange traded funds

Trust in your investments

by libertas2019 on March 8, 2020

Taking a more diverse approach to asset allocation

Investment trusts are a well-established way of investing. Many investors prefer to invest in a fund rather than by picking individual stocks, shares or other assets. Funds allow you to diversify your portfolio easily, as well as giving you the chance to benefit from the expertise of fund managers.
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libertas2019Trust in your investments

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