Investing large single sums in volatile markets can feel like a leap. An alternative to making one single investment is to spread it over time, known as phasing. It is often deployed as a means of reducing the risk of investing ahead of a dip in the markets. It can feel reassuring to a first time or cash investor for whom phasing addresses the obvious emotional cost of short term drops in value. Here we look at whether phasing actually achieves what it sets out to do.
"My solicitor told me about Edison. She said they were very good, so I went to see them and liked their approach straight away."
If you wanted to make money from the next World Cup would you place bets on the teams you think have the best players or would you buy shares in FIFA?
The debate on whether active or passive investments are the best way to participate in the market rages on, with strong arguments on either side. We take a data-driven look at the evidence and how both active and passive can have a place in investment strategy.
… Or the first impressions of risk? It’s human nature to make snap decisions about new people we meet.
When it comes to investing, how we react to first impressions matters too. We explore why it pays to look beyond short term market dips, and the importance of focusing on long term returns.
It is not uncommon for beneficiaries and their executors to find that pension benefits are subject to an unexpected lifetime allowance tax charge. This may be due to a pay-out from a death in service scheme, which may seem odd to those who have not yet seen this in practice.
In this Briefing Note we highlight how those potentially affected – higher earners with significant pension assets – should do to avoid this additional tax charge on death.
"We recently organised a beauty parade for a client, with whom we are co-trustees of a family trust".
The buzz surrounding Bitcoin has grown to new levels in recent months. But is it a new currency and could it possibly turn into an asset to rival the likes of gold? Is it worth investing in Bitcoin?
We give a balanced, simple-terms explanation of Bitcoin’s origins, its rise from obscurity and what the future might hold for cryptocurrencies.
Investors, flesh and bone ones at least, have a tendency to hoard cash due to an innate aversion to loss.
Whether it’s stuffing money under the mattress or leaving large deposits untouched for years in a bank account, we explore both the obvious and hidden risks associated with such behaviour.
"Every time I refer high value financial remedy cases to Edison, I find their input very valuable."
Good risk management includes planning for events which might seem unlikely today but which could have a huge impact on the business.
Yet a recent report by Legal & General shows that 35% to 48% of UK SMEs do not have adequate cover to protect their debts in the case of death of a shareholding director.
Here we explain why business loan and key person protection plans should form part of a company’s risk management plan.
The value of investments and the income arising from them can go down as well as up and is not guaranteed, which means that you may not get back what you invested. Past performance is not necessarily a guide to the future. The information contained in this website does not constitute advice. The FCA does not regulate tax advice. The FCA does not regulate advice on Wills and Powers of Attorney. The Financial Ombudsman Service is available to sort out individual complaints that clients and financial services businesses aren’t able to resolve themselves. To contact the Financial Ombudsman Service please visit www.financial-ombudsman.org.uk.