Market exposure Build a portfolio that meets your needs The earlier you commit to an investment strategy, the longer your money can work in the market. However, the world is an uncertain place at the moment. Investing should be for the long term. Why? Because markets and the economy have a tendency to rise over time. For investors, this should mean a return on investment for people who can ride out the ups and downs along the way – a

You have one life, so invest wisely Identifying multiple risk profiles for multiple goals Throughout our lives, we will have many different lifestyle and financial goals that we would like to achieve. Although we all have different goals, there are some key goals that we’ll have in common, especially when it comes to retirement. What do you want from your investments? Supplementing your income? Building your retirement pot? It’s essential we tailor your investments to suit your goals. To understand

Kevin Larroyer signs for Halifax RLFC Investing for Tomorrow have a longstanding relationship with HRLFC and are so pleased to be saying ‘Bienvenue’ to Kevin. We hope that this hails the continuation of great things for the club in the coming year. Read more about the signing on the Halifax RLFC website.

Wealth Navigator Planning the BEST route for the next generation You have worked hard to build your wealth. Passing it on to the next generation fairly, safely, effectively and efficiently takes skill and careful preparation. But some people find the idea of discussing inheritance uncomfortable and subsequently put off estate planning until, in some instances, it may be too late to make a difference. Seeking early professional financial advice and guidance about the options to mitigate your liability is a

Investing for tax-free dividends No longer the precursor to end-of-tax-year planning Venture Capital Trusts (VCTs) provide the opportunity for appropriate investors to support the growth of small UK businesses and receive attractive tax reliefs in return. Introduced in 1995, VCTs enable smaller companies that may find it hard to get traditional finance, such as from banks. VCTs have historically been used as an end-of-tax-year financial planning tool, but this is no longer the case. They may appeal to investors who

Different types of life insurance When it comes to your life insurance, you’ve got options ‘Single life’ policies cover just one person. A ‘joint life’ policy covers two people, and when one person on the policy dies, the money is paid out and the policy ends. You will need to decide whether the joint policy pays out on first or second death, as this will determine when the policy ends. When choosing between these options, think about: Affordability – a

Protecting your identity Common ways fraudsters can steal your personal information As individuals, throughout our lifetime we exchange personal information with a vast number of institutions including banks, credit card suppliers, utility companies, supermarkets, government organisations and retailers. This may be to receive important services, but also to allow us to do the fun things like shopping, eating out or going on holiday. Fraudulent or stolen identities being used to make false applications for credit cards or loans, to obtain

Festive gifts Building wealth for a solid financial future As a parent, guardian or grandparent, you’ll want to provide the best future for your children or grandchildren that you can. Christmas is an excellent time to encourage children to start thinking about the value of money. Many children have hundreds of pounds spent on them at Christmas. But could that money be put to better use? Rather than buying yet more toys for your children or grandchildren, why not consider

Sandwich Generation Financially squeezed between elderly parents and children Faced with the task of caring for elderly parents alongside your children, being in the Sandwich Generation can be a testing time. Finding yourself squeezed between – and often by – these two generations can be very stressful. As well as facing time pressures, chances are your finances will be stretched too. New research[1] warns that the UK’s Sandwich Generation is feeling strained when it comes to their financial responsibilities. It

Volatility, risk and market declines Relentless and continual rise in value over the very long term, punctuated by falls There is an undeniable correlation between geopolitics, market sentiment and the macro trading environment. But over long periods, we have seen markets recover from downturns, although past performance is no indicator of future performance. Corrections can be healthy and result in even stronger growth in the future, although this isn’t guaranteed and you could get back less than you invest. This

Renewal of Corporate Chartered Financial Planners Status Our managing partner, Laurence Turner, has been in financial services since May 1986 and has been authorised to give advice on and transact occupational pension transfers for decades. This in no way means he’s out of touch, quite the contrary. Along with the rest of the Investing for Tomorrow team, Laurence is fully qualified and constantly gaining new skills and certificates. He elected to take the latest exam to prove he is still