Tag: Invest

Planning for a Comfortable and Rewarding Retirement

The five-year countdown to retirement marks a pivotal phase of introspection and detailed preparation. A well- thought-out plan is essential for a comfortable and rewarding retirement, from ensuring financial stability to thinking about healthcare, housing and the lifestyle you hope to enjoy.

/ 27th January 2025

Individual Savings Accounts (ISAs)

For UK residents, one of the most effective ways to minimise tax on investment returns is through an Individual Savings Account (ISA). These accounts are a 'tax-efficient wrapper', safeguarding your interest, dividends and capital gains from taxation. Whether your financial goals are short term or long term, ISAs can provide the flexibility and security you need.

/ 16th December 2024

Planning and Preparing for Retirement

As we navigate life, reaching our 50s and 60s often brings retirement into sharper focus. This phase heralds a well-earned respite from years of dedication and hard work. For many, retirement is envisioned as the most extended holiday of their lives, offering opportunities to travel, engage more deeply with hobbies or spend cherished moments with family and friends. However, realising this idyllic vision requires thoughtful financial planning.

/ 9th December 2024

Building wealth and achieving financial goals

Investing is an indispensable tool for building wealth and achieving financial goals. By allocating resources to various investments, individuals can accumulate wealth over time through capital appreciation, dividends and interest. For example, investing in a diversitied portfolio of stocks can yield significant returns, enabling you to grow your wealth far beyond what traditional savings accounts offer.

/ 30th October 2024

A Guide to Mastering Financial Fitness in Your 50s

Entering your 50 is not just another chapter in your life; it's a profound and exciting phase in your financial journey. By this time, life may have settled into a more predictable rhythm. Perhaps your children are financially independent, and your career is at a peak, providing a stable income.Thoughts of winding down or retiring might be dancing on the horizon. This is why it's a pivotal moment to take a comprehensive look at your financial situation and ensure you're on the right path to achieving your future goals. Here's our guide to help you focus on key areas and...

/ 17th October 2024

DPMS Portfolio Commentary October 2024

Now that all developed markets have started cutting interest rates, we are looking forward to a more accommodating period of easing monetary policy heading into 2025. Further cuts are expected over the next 12 months as the era of higher interest rates has been declared over by The Federal Reserve (The Fed), Bank of England (BoE) and European Central Bank (ECB).

/ 3rd October 2024

DPMS Portfolio Commentary August 2024

With a generally positive Q2 now firmly in the rear-view mirror, we are focusing on looking forward to a more accommodating picture for monetary policy for the remainder of 2024. Interest rate cuts are expected across developed markets as inflation starts to ease with growth prospects expected to improve as debt costs fall.

/ 13th August 2024

DPMS Portfolio Commentary June 2024

With an improving macro-economic backdrop, May 2024 has provided some strong returns across developed markets as investors look forward to a rate cutting cycle, GDP growth figures start to accelerate and optimism around the Technology sector continues. After some difficulties in Q1, the UK equity market has catapulted forwards as a top performer quarter-to-date to the end of May, following better-than-expected GDP growth figures, which brought the UK out of recession.

/ 20th June 2024

DPMS Portfolio Commentary May 2024

Despite a somewhat rocky start to the year, Q1 2024 proved to be very strong across equity markets due to improving profit growth expectations, falling inflation, optimism around interest rate cut timing and excitement around Artificial Intelligence (AI) in the Technology sector. Whilst some elements of inflation proved to be stickier than first thought, markets have shrugged this information off and continue to look to the future with a period of rate cuts from Central Banks albeit at a later staged than initially thought.

/ 8th May 2024

The Top 10 Fundamentals for Successful Investing

Investing serves as a mechanism for amplifying your wealth. It can assist you in expediting the repayment of your mortgage, augmenting your retirement savings or safeguarding your child’s financial future. However, before you invest your money, be ready for a long-term engagement. Read our full guide on our top 10 fundamentals for successful investing.

/ 9th April 2024

DPMS Portfolio Commentary February 2024

2024 had a relatively rocket start with inflation coming in higher than expected across developed markets driving bond yields upwards and capital values down, the Purchasing Manager Index (PMI) surveys showing relatively weak results and geo-political instability in the Middle East unnerved investors. However, recent weeks have seen a reversal of this with some strong Q4 earnings results, improved consumer sentiment and optimism towards the first interest rate cuts since 2020.

/ 16th February 2024

DPMS Portfolio Commentary June 2023

After a frustrating Q1 2023, with a sustained market recovery derailed by banking failures, Q2 2023 has been a generally more positive quarter. This comes despite continued nervousness in the market related to the US debt ceiling being called into question (and swiftly resolved), sticky inflation in the UK, US & Europe and possible further interest rate hikes  and China’s sluggish economic recovery.

/ 12th June 2023

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.

/ 15th March 2023

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.

/ 8th February 2023

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.

/ 13th December 2022

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.

/ 12th November 2022

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.

/ 16th September 2022

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...

/ 8th August 2022

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.

/ 16th May 2022

Smart Investments

Investors looking for tax-efficient ways to build a nest egg for retirement often look to both Individual Savings Accounts (ISAs) we should link this to a Stocks & Shares ISA not a Cash ISAand pensions. Tax-efficiency is a key consideration when investing because it can make a considerable difference to your wealth and quality of life...

/ 23rd August 2019