Tag Archives | Income

Too good to be true? If it is, it’s your money at risk

A commentator recently suggested that the concept of ‘buyer beware’ under which the risk of a purchase is borne by the buyer and not the seller should be suspended for financial services because of the seemingly infinite complications of financial products and services.

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Investing in Bonds, a good move in 2016?

A good move always not just in 2016 because bonds are a core element in the assets held under the Defensive element of a broad-based asset allocation. In portfolios without a Defensive element, there probably will not be any bonds. When income is required, bonds provide a reliable source.

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“What would be a safe rate of interest for a widow to earn? “Probably about 8 per cent!”

That quotation is taken from a presentation to a conference of financial advisers in 1979 in the USA. That was then regarded as a sensible, cautious and realistic response when planning return on investment. In the UK in 1979 inflation was recorded as 13.4% and the bank base rate ranged between 12% and 17%. Similar […]

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It is really rather sad; another investor led astray

I suppose I might be seen as rather boring but so often it seems necessary that I say: “stay in the mainstream, it’s safer.” This post is based on a report in The Sunday Times in June 2016. It is the story of Mr B who seems to be about to lose his life savings. […]

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Is investment in property still good value?

Introduction
Property is always on the wish list of private investors who have a perception of lower risk with better returns, although the facts show that the long-term returns of property and the stock exchange are broadly similar, with reliable income. The website This is Money reported in 2015 that over the 30 years from 1985 equities had given a capital return of 433% and commercial property had given a capital return of 402%.

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In search for income try bonds

The search for the ‘best’ income-producing assets is a challenge that has faced investors in every era. The numbers will range high and low because what is wanted and what is possible is mostly defined by inflation and the interest rates set by central banks. In 1990 both were above 10%. The main components for […]

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The Referendum and Your Investments

On 23 June 2016 UK voters will respond to a referendum with a simple ‘Yes’ or ‘No’ vote in order to answer the question “Should the United Kingdom remain a member of the European Union?”. Advocates of both camps argue that the future of the country can only be secured by voting for their proposition. […]

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Portfolio 2016

It is our normal practice to review our investment process early in each new year. We review the past year and take account of lessons learned and of changes in the economic and political circumstances in which client capital is invested. Our aim is to put the investment portfolios in the best position to produce […]

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Barclays Equity Gilt Study

The Barclays Equity Gilt Study gives a clear picture of the returns from the UK market over the past 114 years. It is the UK’s foremost source of data and analysis on long-term asset returns with data going back to 1899. The study has been published every year since 1956 and, it is claimed, shows […]

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