Our Views on the Markets and the Economy

How to Live Comfortably for Longer

The chances are, you will live longer than your ancestors. Potentially, much longer. This is most likely a good thing – but how do you ensure you don’t run out of money?

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In any financial plan cash plays an important role. It is liquid (you can always get access to it) and because it doesn’t fluctuate in value like other investments it can provide certainty when you most need it.

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When investing for your future, taking advantage of the tax benefits of an ISA could be the boost you need to achieve your goals. However, you can further improve on these benefits and the potential of ISAs to offer protection for your savings.

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Having too much cash may seem like a nice problem to have, but holding too much of our wealth in cash – like in a Cash ISA, or bank account – could be an issue. In fact, we can use the term ‘reckless caution’ to illustrate the dangers of playing it too safe with our finances.

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An overall financial plan is the bedrock of any successful long-term personal savings and investment strategy. It will help to ensure you are matching your savings – and where appropriate, investments – to your future needs so that you can meet all of your goals.

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When Should You Change Your Risk Level?

When we think about investing it is useful to think about it in terms of risk – how much we should take, and how much can we afford to take to reach our goals. Therefore, it is relevant to ask, how actively should we change our risk level to respond to events or economic news?

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How to Live Comfortably for Longer

The chances are, you will live longer than your ancestors. Potentially, much longer. This is most likely a good thing – but how do you ensure you don’t run out of money?

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Various factors will typically be out of your control when you invest – such as market performance and volatility, inflation and your life expectancy – but focusing on four key things you can influence is a smart way of thinking about investing for the long term.

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Prepare to Live Longer

“Old age is like everything else. To make a success of it, you've got to start young.” This wisdom from former American president Theodore Roosevelt may resonate with more of us as we face retirement – especially as that timeframe is getting longer.

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For many top athletes and those driven to succeed, a common mantra is to “control the controllables”. While understanding the impact of things out of your control makes sense, focusing on the things you can influence is a smart way of thinking about investing for the long term.

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