Viewpoint: The Value of Income Protection
Viewpoint: The Value of Income Protection
Viewpoint: The Value of Income Protection
info@senecareid.co.uk
01279 874480
From April 2016 Stamp Duty Land Tax for Buy to Let
property purchase increased by 3%.
Your home may be repossessed if you do not keep up repayments on your mortgage
Seneca Reid Limited
info@senecareid.co.uk
01279 874480
info@senecareid.co.uk
01279 874480
Pension freedom
the headlines
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01279 874480
Financial advice
during a divorce
Mistakes you can avoid by getting advice
Going through a divorce, dissolution
or separation is one of lifes most
Who keeps the family home? It's easy for couples
stressful events, so its important to
to fight for the home without considering the costs
of maintaining the upkeep (mortgage, utilities and
have people around you to help with
council tax bills etc). If you decide to take on the
the practicalities. This is particularly
family home, make sure you have the financial
true when it comes to financial matters,
capabilities to keep it running.
which can be complex and emotionally
straining in these situations.
Sharing the pension pot When deciding on how to
Extra protection
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01279 874480
Risk vs reward
It's a fact that risk and the potential for reward go hand in hand:
Investments that are low in risk are low in potential reward, whereas
the more risk you're willing to take with your money the greater the
potential for reward.
potential returns and possibly see the spending power of that money
fall due to inflation.
Are there tax-efficient opportunities available such as pensions
or ISAs?
Once you are clear about the risk you need to take to reach your
goals you'll need an investment strategy that is finely calibrated
to deliver the results youre looking for.
This is where a number of other key aspects of investment come
into play:
1. Avoiding the eggs-in-basket principle. We can make sure your
portfolio is invested across a range of assets in order that the positive
performance of some, neutralises the negative performance of others.
2. Making sure your money is in the hands of some of the best
and most consistent investment managers in the business.
Return
Higher Risk
3. Making sure you can give your investments time the longer you
can leave your investments in place, the more likely you are to
cope with any short-term changes in market value.
Talk to us
Time
Need advice?
Can you afford to take a risk? if your investments dropped in
the short term, do you have the time to wait for them to recover?
C
an you afford not to take a risk? leaving all your money on
deposit may carry minimal risk, but you may miss out on higher
Seneca Reid Limited
info@senecareid.co.uk
01279 874480
Lower Risk
info@senecareid.co.uk
01279 874480
08.04.11
01279 874480
info@senecareid.co.uk
www.senecareid.co.uk
OW0235 Exp. 31/03/17