What should you consider when thinking about your attitude to investment risk

Your view of risk in finances is personal. It's one that's often influenced by emotions, but other areas should play a role too. When you're considering how much risk to take, what factors influence you? We all know that taking too much risk for your situation can lead to losses. However, so can not taking enough risk. Rising inflation means the spending power of cash is eroded. With low interest rates, many cash savings have lost value in real terms in recent years. Investment returns that don't keep pace with ...

The evolution of investing: A growing public conscience

More investors are exploring impact investing, reflecting wider changes to the way we consider the effects of our decisions. Research from high street bank Barclays suggests that it’s the millennial generation that is driving the shift in attitudes. However, for impact investing to move into the mainstream, it needs to engage baby boomer investors. Making decisions that have considered different aspects, from their impact on communities to the environment, has been a growing trend. Ethical shopping, for example, has increased significantly in awareness since the turn of the century ...

Women: Don’t let financial jargon stand between you and investing

What makes you feel confident in your decisions? For many of us, it’s a mix of having a plan in place, understanding the subject matter and knowing the outcome of our actions. It’s therefore fitting that recent research from HSBC shows that the top three things which make women less likely to seek investment advice are:     An overuse of financial jargon (35%) A dislike of taking risks (72%) A lack of time (17%) It’s not just women, but it is an issue More than a quarter (26%) of men also ...

Has your child got £1,000 stashed away you don’t know about?

The idea of your child having £1,000 stashed away that you don’t know about might seem a little farfetched, but it may well be the case for to 700,000 parents in the UK. It isn’t as suspicious as it sounds however; your little angel hasn’t been hoarding cash under the floorboards. Well, they might be, but that’s another matter entirely. Instead, the money will be sitting in a Child Trust Fund that may have been opened by the Government without your knowledge. How has this happened? The last Labour Government announced the Child ...