Financial Planning News & Views

Reviewing your needs and goals – take time to think about what you really want from your investments?

May 13, 2022February 12, 2021 by Lavender Financial Planners

You need to consider what you really want from your investments. Knowing yourself, your needs and financial and lifestyle goals, and your appetite for risk is a good start. Consider your reasons for investing. It is important to know why you are investing. The first step is to consider your …

V I S U A L I S E YOUR FUTURE – reaching a state of complete financial wellbeing

May 13, 2022February 5, 2021 by Lavender Financial Planners

Financial wellbeing ultimately comes from achieving financial security and independence. When you have reached a state of financial wellbeing, you have got to a point where you have a sufficient level of income for your lifestyle needs, enough capital to give you peace of mind and the knowledge that whatever …

What do you want from life? Ask questions that will shape your future.

January 22, 2021 by Lavender Financial Planners

Just about everybody wants to become financially secure and independent – so why do so few people get there? One thing is for certain: it very rarely ‘just happens’. It starts with a vision and then a detailed plan, and a willingness to commit to that plan.

Your total life plan is a financial roadmap that will provide you with clarity about your future journey. It should detail every aspect of your vision – your hopes, fears, dreams and goals. It should also describe exactly how your future will look and help you to understand exactly where you are headed and when you are likely to arrive.

Are the over 50’s becoming a lost generation?

December 11, 2020 by Lavender Financial Planners

Older workers are one group of people who are at risk of suffering serious and persistent consequences from the economic turmoil arising from the coronavirus (COVID-19) pandemic. In particular, older individuals who lose their jobs are less likely than younger workers to secure re-employment or to find a job on a similar wage to their previous earnings.

The COVID-19 crisis will result in disproportionate under-employment and unemployment for older workers, who represent a greater share of the working population, findings from new research have highlighted. Over-55s represented more than 50% of the employment growth in the decade to 2018.

A Guide to Self-Invested Personal Pensions (SIPPs)

November 27, 2020 by Lavender Financial Planners

What do your retirement plans look like? Saving for your retirement is one of the longest and biggest financial commitments you will make. Imagine you are retiring today. Have you thought about how you are going to financially support yourself (and potentially your family too) with your current pension savings? The new pension freedoms provide an incentive to look again at your retirement savings.

A Self-Invested Personal Pension (SIPP) could be right for you if you are looking for a wider choice of investment options and have sufficient knowledge and experience of investing to make your own investment decisions.

Investing with a conscience placing money in companies that bring positive change

November 23, 2020 by Lavender Financial Planners

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.

These strategies, which include impact investing, are not new, but momentum is growing as shareholders demand greater action and consumers hold businesses to a higher standard. Increasingly, a significant number of UK investors expect their investments to align with their personal beliefs and continue to express interest in sustainable investing.

Potentially Higher Returns Findings from new research identified that UK millennials are less likely to compromise their personal beliefs in order to benefit from potentially higher returns compared to their global counterparts[1].

IS YOUR WEALTH PROTECTED FOR FUTURE GENERATIONS? Six tips for wealth preservation and transfer planning

November 20, 2020 by Lavender Financial Planners

Establishing a wealth preservation strategy is a crucial part of any complete financial plan. You have worked hard to achieve your success and you want to be sure you protect it for future generations. We can help you develop a long-term plan to preserve that wealth – please contact us. …

Guide to Cashflow Modelling – Is it time to bring your money to life?

November 13, 2020 by Lavender Financial Planners

Will your current plans get you to where you want to be financially?

Whatever wealth means to you – now and in the future – we can help you achieve your goals for it in every area and stage of your life.

Cashflow modelling as part of the financial planning process is also vital if financial goals are to be achieved, such as repaying your mortgage, buying a holiday home, paying for school and university fees and being able to retire when you want to.

It is also important that you have sufficient funds for emergencies to provide for unexpected expenses, such as a job loss or long-term illness.

Clarity over your goals. Key to this is analysis based on your goals and desired future lifestyle.

A Question of Risk

November 4, 2020 by Lavender Financial Planners

black and white business career close up

“How much should you invest?” Investing after all comes with an inherent risk due the accepted volatility of markets, so a sensible cash reserve should always be retained.

Whilst most investment portfolios will give you an indication of how much volatility to expect, how can you manage your own expectation and investment journey? Hopefully the following steps and simple diagram below will help:

Time in the market, not timing the market

October 30, 2020 by Lavender Financial Planners

Investment market swings can be unnerving, but they shouldn’t distract you from staying focused on your financial goals. Periods of market volatility will undoubtedly be unsettling times for most investors.

The risks of incurring losses can make holding investments difficult to bear, with the temptation being to sell out and cut your losses. But volatility is part and parcel of investing.

Day-to-day ups and downs of the markets Rather than focus on the day-to-day ups and downs of the markets, it is far more important to focus on the things you can control. With global markets in the grip of the COVID-19 pandemic, investors have been faced with an impossible dilemma: whether to stay invested or to withdraw to a safe haven.

It is important to remember what really matters: it is ‘time in the market, not timing the market’ that dictates long-term returns.

Reviewing your needs and goals – take time to think about what you really want from your investments?

V I S U A L I S E YOUR FUTURE – reaching a state of complete financial wellbeing

What do you want from life? Ask questions that will shape your future.

Are the over 50’s becoming a lost generation?

A Guide to Self-Invested Personal Pensions (SIPPs)

Investing with a conscience placing money in companies that bring positive change

IS YOUR WEALTH PROTECTED FOR FUTURE GENERATIONS? Six tips for wealth preservation and transfer planning

Guide to Cashflow Modelling – Is it time to bring your money to life?

A Question of Risk

Time in the market, not timing the market

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MF & JF

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AJ

CC

RK

MF & JF

SG & RG

KT & WT

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