Our Views on the Markets and the Economy

Generating a reliable income is crucial for many investors. However, the crisis has made it even more difficult to focus on an effective strategy, and avoid the many dangers – such as striving for yield at all costs – which could affect your long-term income.

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Many of us want to pass our wealth on to the next generation. But what do we need to consider to do this effectively – to maximise the benefits for our families while managing the balance between tax efficiency and control?

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When there is a crisis it is natural to think about what you should change to ensure your financial future is on track. You should also consider what should stay the same.

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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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