Archive: 2019

How do Currency Returns affect my International Investments?

Many investors take a global perspective when building portfolios to achieve their investment goals. With the potential benefits of an expanded opportunity set and increased diversification comes exposure to foreign currencies. Currency returns can be volatile, creating winners and losers. While there is little evidence that currency movements can be predicted, investors still want to […]

Total Cost of Ownership

Mutual funds have many costs, all of which affect the net return to investors. Costs matter. Whether you’re buying a car or selecting an investment strategy, the costs you expect to pay are likely to be an important factor in making any major financial decision. People rely on a lot of different information about costs […]

How to save for your children

With the cost of education and housing rising, it’s become more commonplace for parents and grandparents to save for their children and grandchildren. By planning ahead, they can maximise the impact those savings will have. What’s your outcome? Whether you’re saving for yourself or your children, the first thing to think about is why you’re […]

Pensions change this month

Do you remember that you were automatically enrolled in your employers’ workplace pension scheme some time ago? Well, the payments which are made into this scheme are increasing this month, so you’ll see a change in your payslip, but it’s not all bad news. Up until this month, the contributions into your workplace pension was […]

Interest-only mortgage mess? Don’t Panic!

An interest-only or endowment mortgage is one where you pay only the interest and not the mortgage balance itself. They’re big business: there are over 1.6m interest-only or part-interest mortgages in the marketplace, nearly 20% of all outstanding UK mortgages. If you’ve got one, your biggest concern is: how are you going to pay it […]

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