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We advise you based on what we would do, were we in your shoes, given what we know.

Whether or not you have attained financial independence, you need to ensure your investments, pensions funds, ISAs etc are managed optimally to ensure they are all focussed on delivering for you what you need.

Inflation has fallen for nearly 2 generations, since the 1970s.

We expect inflation to rise now, for 10, 20 or more years.

 

Investment portfolio managers/advisers have NEVER experienced SUSTAINED increases in inflation.  The traditional 70/30 portfolio of Equities and Bonds will not grow your wealth and secure your financial future.

We need to invest to meet the inflation challenge.  IT IS VITAL.

What does your investment manager say about it, if anything...?

Since the markets' crash in March 2020, our Typical Portfolio has grown over 40%, net of all fees.  And we expect strong growth to continue.

Investments do not move with the calendar.  Investments have ups and downs.  If you accept no volatility risk, you will obtain no capital growth.

Properly established and managed portfolios ought to achieve above inflation returns, over the medium term.  Our aim is above inflation returns, net of fees.  The chart, on the Homepage, shows our Typical Portfolio has more than achieved this.

 

Have you thought about whether your investments ought to be reviewed?

How will you be in retirement?  Will your funds be robust enough to take on most events which could come along?  Do you still need, in retirement, to be growing capital?

Or, perhaps your holdings are too cautious or even too risky?  Most portfolios that we encounter, actually, bear no relationship to the investor's actual needs.

How do you know how good your current investment manager is?  What does s/he do for his/her charges?  Does s/he make you money?  Does s/he ensure your hard-earned and saved funds are working for you but without taking undue risks with your money?

In the November 2016 Booms & Busts Report I discussed, at length, the huge problem with so-called 'Balanced' or 'Managed' Funds or 'Average' Risk portfolios.  The vast majority of folk have these 'Balanced' / Diversified portfolio / Mixed etc funds.

 

Please note, investments can fall as well as rise, and they will!