Our Views on the Markets and the Economy
Articles, investment updates and economic analysis
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The investment industry is still stacked in favour of the providers at the expense of consumers. To coincide with today’s deadline for the FCA Consumer Investments Market consultation – which aims to make the consumer investment market work better – we outline where we believe the FCA should focus their efforts to help consumers make effective investment decisions.
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Being cautious is usually sensible, but being overcautious can come at a cost. This was evident in 2019 as many investors remained on the side-lines – a period when they could have benefited healthily from putting their money to work.
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It’s not uncommon for organisations to allow families to club together to earn generous discounts: consider the Network Railcard, National Trust family memberships and the multi-user options on streaming service Netflix. Yet those who want to save or invest as a family have been poorly served by the traditional wealth management industry.
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For generations wealth managers have operated within a comfortable and unchallenged niche: they would invest money on behalf of their clients and update them of their progress once a year. A kind of “don’t bother us and we won’t bother you” approach to wealth management.
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For many investors, their main priority is to generate and sustain a consistent income. This is usually in retirement, but it can be valuable at any stage in life. Of course, having a regular income is one thing, but how do you ensure that you can make it last?
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‘Past performance is not an indicator of future returns’. We often see variants of this phrase in investment materials but it should not be viewed simply as legal gibberish – it should underpin how we think about investing. Nothing is guaranteed.
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Anything that makes personal finance easier is a bonus. A helpful way of thinking about our assets is to manage them across three hypothetical pots.
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It’s not uncommon for organisations to allow families to club together to earn generous discounts: consider the Network Railcard, National Trust family memberships and the multi-user options on streaming service Netflix. Yet those who want to save or invest as a family have been poorly served by the traditional wealth management industry.
Continue reading
To embark on any journey successfully usually requires a well thought out plan. If the destination is a comfortable financial future, we should have a good understanding of the best paths to take.
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Anything that makes personal finance easier is a bonus. A helpful way of thinking about our assets is to manage them across three hypothetical pots.
Continue reading
