Flowing With The Tide

Posts Tagged ‘Investment management’

Many investors turned their back on high St. Bank and deposit accounts last year as recent numbers point to a record year for investment funds.
According to figures from The Investment Management Association (IMA), a record amount was allocated to investment funds last year. Consumers invested £25.8bn in unit trusts and open-ended investment companies (OEICs), types of investment funds that let individual’s pool money together to purchase stocks and bonds.
The numbers are the highest since records started in nineteen ninety two and 45 per cent higher than the last record set in 2k, when new investments amounted to £17.7bn.
An IMA spokeswoman said: ‘A combination of factors led to this significant increase in 2009. Low returns on savings accounts caused people to look at putting their money into other assets. At the same time, the recession caused them to increase their savings levels.’
However with a current inflation rate above the Bank of England’s 2 percent target, savers relying on deposit based investments will remain unhappy.
In total, £9.9bn was vested in bonds during the year, while £7.3bn went into Equities, compared to 2008, when people withdrew £1.3bn more from equities than they invested.
The gain in investments, combined with strong stock market returns during the year, also served to drive up the value of funds under management to record amounts.

The recent annual budget announced forthcoming modifications to the Individual Savings Account allowances.
In future, allowances are to be enhanced each year by cost of living. This is a good benefit, as each year the amount of money you will be capable to add into tax efficient investments will go up.
For a couple that are married this means that they are able to invest up to £20,400 into Individual Savings Accounts.
If however you are considering using your cash Isa allowance then the maximum amount of money you can invest is £10,200.
Where you contribute is just as important as the gains of contributing into a tax preferred investment contract.
Every investor in partnership with their independent financial advisor should check their attitude to investing. It is critical to check out that your current investments meet their aims. You should also determine on a quarterly basis to determine that the level of risk has not adjusted since the investment funds were bought.
1 way of managing this is to use a model portfolio of investments. This will allow for investors to invest in a risk contained way and rebalance the portfolio of investments on a annual basis.
If you would like to find out more about asset allocation, Individual Savings Accounts and how to purchase investments in a wise way why not contact us?
Consilium Asset Management Ltd provide investment advice in Bristol.

The recent annual budget announced upcoming modifications to the Isa allowances.
In future, contributions are to be enhanced each yr by cost of living. This is a outstanding gain, as every yr the amount of money you will be capable to contribute in tax efficient investments will increase.
For a married couple this means that they are able to invest up to £20,400 into Individual Savings Accounts.
If however you are considering using your cash Isa allowance then the upper limit amount of money you can invest is £10,200.
Where you contribute is just as essential as the gains of investing into a tax preferred investment policy.
Each saver in conjunction with their independent adviser should determine their attitude to investing. It is critical to verify that your current investment funds meet their aims. You should also determine on a regular basis to determine that the level of risk has not adjusted since the investments were bought.
1 way of exercising this is to use a model portfolio of investments. This will let investors to buy in a risk controlled manner and rebalance the portfolio on a annual basis.
If you would like to find out more about asset allocation, Isa’s and how to invest in a prudent manner why not get hold of us?
Consilium Asset Management Ltd offer will writing in Bristol.