Beware of Greeks (Investment Companies) bearing gifts

As interest rates increase, investment companies are increasingly marketing investments which promise attractive levels of income.

Do NOT be fooled by this. They not interest-paying accounts, they are confusing products designed to catch out the unwary. By all means take advantage of the higher interest rates offered on your rainy day funds, but do NOT be diverted from your long-term plan of investing in the equity markets to achieve your long-term goals.

The biggest risk that you can face in retirement is NOT volatility, it is running out of money before you run out of life.

It is better to be a retired gentleman than an old-aged pensioner.

More News, Insight & Opinion

Pirates in Pinstripes

The large advice companies and banks market themselves as High Net Worth advisers. They overcomplicate matters and persuade those with larger portfolios that they need "bespoke advice". Why? Continue

Recognising Poor Financial Habits

If you recognise any of the following traits in yourself, please try to change them: Continue

Flexible ISAs

It is commonplace to search on the internet for the best Cash ISA available. You could be looking for instant access, a fixed term or something else. But providers do not make it very clear whether their product is flexible or not. Continue

Weapons of Mass Financial Destruction

The biggest risk to a client portfolio is running out of money in retirement. Continue

Lifestyle Funds and Target Funds - They need a health warning!

We are often asked to look at a client's company pension arrangements, as these will often be a major bedrock of their retirement plan. Continue

The 60:40 Portfolio - A recipe for disaster

For decades, both advisers and investors have regarded the default portfolio for a balanced investor to be a 60:40 portfolio. Continue

News, Resources, Insight and Opinion from Browning Financial Planning