Someone wants to invest more than £63,000 in workplace pensions, accumulated from former employers, in ethically responsible funds, but wonders whether to put all their eggs in a single basket. In this article, the Investment Doctor advises.
Ab fab? Financial advisers whose clients want to generate an income are shunning absolute return funds. That’s because even natural yields can change, and a strong past performance isn’t necessarily a reliable guarantee of a proxy income.
A retired couple in their sixties who receive indexed-linked pensions of £25,000 yearly plus £5,000 from a Sipp have equity-focused Isas and will be hanging on to their direct bond holdings, but looking to replace a matured PFG bond. They wonder what to do with a Euro-dominated bank account held in Spain – and whether they have too many holdings.
Wondering what one thing will enhance your portfolio’s performance? Thinking small can often yield big results – that’s why you should seriously think about investing in small and medium-sized company stocks, which are currently outpacing their bigger rivals. There’s versatility, too – you can invest indirectly via a unit or investment trust, or directly through shares.
Now in their seventies, Tony and his wife set up a trust for their grandchildren 13 years ago when they first became grandparents. Their brood now includes two girls aged 13 and 11, and a six-year-old grandson. The children will only benefit from this fund after their eighteenth birthdays, and will only have access to the capital once they turn 25.
Our reader wants to help his children build up a pension pot but is taking a very high-risk strategy
Adrian Thomas started investing two years ago on behalf of his three children aged 11, 10 and eight. He started with an initial lump sum of £5,000 for each child’s portfolio invested in five high-yielding FTSE 350 shares from different industries. Each child’s portfolio is set up within a self-invested personal pension (Sipp), and they all have the same number of holdings.