Wealth management uncovered – clients will be the winners and it’s long overdue
Charlotte Ransom, CEO
Earlier this year Charlotte wrote about the fact that our financial regulator, the Financial Conduct Authority (FCA) was having to, once again, introduce legislation to ensure that financial consumers were being treated fairly and getting value for money. She explains why a lack of transparency and appropriate action compelled her to establish Netwealth – and why, despite the upheaval facing well-known wealth managers, it will be clients who will ultimately benefit from a sea-change in behaviour.
How to nail cash flow modelling – and achieve your most important goals
Frederick Smith, Client Adviser
Building a model of your financial position over time is crucial to help you plan ahead effectively – and make decisions to benefit your outcome. Frederick writes about the ins and outs of cash flow modelling, explaining the advantages, and showing how it can help you answer some of life’s most pressing questions.
How our key beliefs inform our investment approach
Iain Barnes, Chief Investment Officer
Delivering efficiently diversified portfolios is a vital component of our investment approach – and successfully managing modern investment portfolios means expertly navigating an evolving set of challenges. As Iain writes here, our key beliefs help to guide us when volatility is elevated, when the impact of policy actions is uncertain, and to respond with agility when the fundamentals change.
Benefits of a Financial Planning ‘MOT’
Gill van Gass, Client Adviser
What is a financial planning ‘MOT’? As Gill explains, even if you have a financial plan already, a financial planning MOT can provide a timely check-in to help you stay on track. The financial environment (eg, regulations, markets, allowances) and your own personal circumstances can change materially over time, but with the support of our guidance-based tools you can adapt to new challenges and better prepare for multiple potential outcomes.
The government is right to focus on growth
Gerard Lyons, Chief Economic Strategist
In this article regarding the new Labour Chancellor’s first major policy speech, Gerard revisits a theme he has consistently explored – that focusing on growth is fundamental to reinvigorating the economy. He talks about the challenges facing infrastructure, the need for institutional change and the importance of successfully integrating private sector involvement.
The cash challenge – why (and how) you should respond as interest rates fall
Louisa Gaynor, Senior Client Adviser
Savers took advantage of higher interest rates in the past couple of years, but what should you do when the path trends lower? Louisa examines the imbalance between cash savings and being invested – especially over the long term – and highlights the risks and potential outcomes you should consider to counteract the impact of inflation.
Understanding inflation-protected bonds and how they can enhance multi-asset portfolios
Omar Ene, Portfolio Manager
As we all know, inflation has been a major concern in recent years, affecting the cost of living and also the real value of our savings. We are always on the lookout for appropriate ways to further diversify portfolios, and inflation-linked bonds, writes Omar, are a useful addition to our armoury – and can play a crucial role in providing stability and mitigating inflation risk.
Why you should assess your pension options after the Budget
Tom Kimche, Head of Advice
This year’s Budget heralded changes that could affect many investors and those planning for their own and their family’s future. As well as the impact on capital gains tax, pension holders could be affected if they are planning to use their pot as part of their estate planning. Tom highlights the powerful long-term value of pensions, and the value of financial planning advice, while also urging readers to anticipate the changes and to consider an efficient withdrawal strategy.
Please note, the value of your investments can go down as well as up.
Netwealth offers advice restricted solely to our services. We do not consider the whole of the market, nor offer advice in relation to tax compliance, insurance products, or the transfer of defined benefit pensions.
