Our Views on the Markets and the Economy

When markets are this volatile it is troubling, and when events are out of your control it is frustrating. Yet while you have no say in market performance, inflation or how long you may live, the factors you can influence when you invest could make a meaningful difference over the long term.

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Putting Market Movements Into Context

When world markets display worrying volatility, investors need to feel reassured that their long-term goals are on track. At Netwealth, we give clients the tools to see how short-term performance can be viewed in context with previous events to allow them to make informed decisions about their investments – which for most will result in taking no action at all.

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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 Move from Cash to Being Invested

If you have sold a business or property, inherited money, or accrued a pot over time you may be sitting on a reasonable sum of cash. You may hold that money in savings for varied reasons – preferring the implied safety, or you could be concerned about markets and haven’t found the right opportunity to invest or get back in.

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This has been an election campaign focused on Brexit and plans for fiscal spending. We believe a hung Parliament would lead to limited new tax legislation being approved due to the divergence in policies across the major parties. So let’s consider some of the key tax categories and the potential impact if there is either a Conservative majority or left-of-centre coalition.

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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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Your life’s rhythm is probably quite smooth in your 40s but your cashflow could remain tight. While you are likely nestled on the property ladder, with growing children and reliable earnings, you may value extra freedom.

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Let’s face it, the topic of fees is enough to send many of us to sleep. This may explain why the level of fees wealth managers typically charged went widely unquestioned for generations. And why a lack of transparency around the exact nature of these fees was rarely enough to rouse investors into taking action.

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Even if retiring soon is not on your agenda, preparing suitably for it should be. These sensible steps can help you see if you are on track to achieve your meaningful goals, and what to consider if you want to live in more comfort for longer.

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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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