Category: Investment
Guide to setting up a future for my grandchildren
Investing in the future of your grandchildren is a great way to help them prepare for their financial needs in life. By setting aside money now, you can provide them with added security and increased opportunities in the years to come. Investing for grandchildren can be used to help fund college tuition, make a down payment on their first car or home, or even start a retirement fund.
DPMS Portfolio Commentary February
Given our more cautiously positive outlook for 2023, including a mild economic recession, continuously high interest rates and the reopening of the Chinese economy, the Vizion Wealth Investment Committee have agreed to a shift towards a balance of Defensive and Cyclical equities utilising both Growth and Value styles. This comes in the form of a move towards Value funds in the UK, Europe & North America which have historically outperformed during periods of interest rate increases and a move towards Growth funds in Asia and Emerging Markets in conjunction with the Chinese economy reopening and supply chains becoming re-established.
Guide to Individual Savings Accounts
Time is running out to take advantage of this year’s Individual Savings Account (ISA) allowances. On 6 April when the new tax year starts, if you haven’t used all of your or your children’s ISA allowances from the previous tax year, it will be lost forever. Check out this guide to Individual Savings Accounts.
DPMS Portfolio Commentary December
So far, Q4 of 2022 has been more positive than some anticipated with better-than expected American inflation data and hopes of The Federal Reserve easing rate rises, a less severe beginning to Winter for Europe, hints that China may begin to ease it’s zero-COVID policy and the return of traditional fixed interest as an attractive long term investment following Jeremy Hunt’s reversal of the mini-budget. This all comes despite Central Banks continuing to raise interest rates and warnings of recession across the globe.
Guide to Leaving a Tax Efficient Legacy
If you thought Inheritance Tax was just for extremely wealthy people to worry about, think again. Rising property prices have meant more estates than ever are likely to face an Inheritance Tax bill.
Investing for Positive Change
Over the past few decades, there has been a growing interest and awareness in investing in companies that take into account environmental, social and governance (ESG) factors. This type of investing – also known as sustainable, responsible or impact investing – aims to generate both financial returns and positive social and environmental impacts.
DPMS Portfolio Commentary November
As we are expecting the remainder of 2022 to remain volatile with further interest rate hikes and the effects of a recession, the Vizion Wealth Investment Committee have agreed to remain maintain a more defensive style to portfolios, further reduce exposure to Small-Cap Equities, balance our Chinese & Indian Equity exposure and start to increase positioning towards traditional fixed interest given the recent sell off of bond capital values.
DPMS Portfolio Commentary September
Q3 of 2022 has proved much more positive than the first half of the year despite the backdrop of recessionary warnings across the globe. Whilst Central Banks have continued to push interest rates higher at each opportunity, global inflationary figures have started to look as though they are starting to peak, with the US proving the key indicator for global inflation. However, there remain concerns for economic growth forecasts across developed economies being dampened by inflationary pressure and subsequent interest rate rises.
Show me the money!
It’s not surprising that the world of investing can seem complex, especially in the current global economic climate. Investors face an endless supply of market news, many investment choices and often-changing market conditions.
Is Inflation Eating your Savings?
The word ‘inflation’ had barely featured in the market’s vocabulary in the last three decades until it suddenly started to come back with a vengeance in 2021. As higher inflation looks set to persist in 2022, finding ways to generate a return on investments greater than inflation will be a key investment theme – otherwise your wealth falls in real terms.
DPMS Portfolio Commentary August
The second quarter of 2022 proved to be as volatile as the first, with equities and bonds alike suffering declines as inflation soared to record highs across the globe, above almost all economists’ forecasts. Interest rates also began to see increases in an attempt to combat inflation but did little to curb mammoth increases in the cost-of-living, deepening the risk of recession across global economies. The start of Q3 has proved slightly more positive than expected due to better-than-expected Q2 earnings reports from larger US companies, such as Meta, Twitter and Tesla, and President Biden’s announced Infrastructure plans to help...
Listed in the Sunday Times’ Guide of the UK’s Top Rated Financial Advisers…Again!
We are so proud to have both Andrew Flowers and James Blackham included in The Times as one of the most popular financial advice firms, according to VouchedFor for yet another year. The rating site released its list of financial advisers who qualified for its 2022 Guide To The UK’s Top Rated Financial Advisers by receiving the highest number of positive reviews from their clients. At a time where demand for advice is growing, but consumers don’t always know where to turn, the aim of the guide is to shine a light on those advisers delivering consistently great outcomes for...
Invest your Way out of Inflation
The word ‘inflation’ had barely featured in the market’s vocabulary in the last three decades until it suddenly started to come back with a vengeance in 2021. As higher inflation looks set to persist in 2022, finding ways to generate a return on investments greater than inflation will be a key investment theme – otherwise your wealth falls in real terms.
DPMS Portfolio Commentary
Welcome to the first Vizion Wealth Discretionary Portfolio Management Service Update. We appreciate the last 5 months has been an extremely turbulent time for the investment markets with high inflation and increasing interest rates which when combined with major global events such as a Ukrainian invasion and further lockdown issues in China has dampened risk appetite. As part of our decision making process in managing your investments, the Vizion Wealth Investment Committee consider the natural cycle of the markets, the current economic environment and projections of various economic variables to help formulate our portfolios.
ESG: Investing With Impact
It’s no secret that the growth of Environmental, Social and Governance (ESG) investments in recent years has been fundamental. This has largely been fuelled by the climate emergency, leading to growing scrutiny of company practices with some governments mandating a change in companies’ and individuals’ behaviour...
What’s happening with inflation?
Understanding inflation is an important factor when it comes to your financial success. If you don’t factor inflation in when deciding where to put your money – whether that’s savings accounts or investing – you could find your wealth shrinks over the years.
Investing for Children and Grandchildren
With many of us living longer, you may be thinking about how you can support your family at the moments that matter. Sharing your wealth during your lifetime – especially with younger generations facing the pressures of rising house prices and university fees – can really make a difference and bring you great joy too.
Portfolio Diversification
By maintaining proper portfolio diversification and avoiding the pitfalls of market timing, you’ll have the foundation needed to help manage your overall exposure to market volatility. Historically, the stock market has been up more than down.
Investing with a Conscience
Issues such as climate change and sustainability have become increasingly hot topics globally and often the subject of conversation. As a result, Environmental, Social and Governance-linked (ESG) investment strategies continue to dominate financial headlines.
DPMS Portfolio Commentary March 2023
March 2023 has been somewhat of a rollercoaster ride as investors have processed a variety of information, led by markets absorbing news of a number of bank bail outs started with the run on Silicon Valley Bank (SVB) and smaller New York based Signature Bank and the impending impact on interest rate policy led by the US Fed.