Cultivating the squirrel instinct

Article Abstract:

Personal pensions are available in the United Kingdom to people such as the self-employed who cannot gain access to company pension schemes. A number of factors should be taken into account before joining such a scheme, such as flexibility, the past performance of the provider, and the provider's financial strength. It is best to start saving for a pension as early as possible because funds have longer to grow, but this type of saving is inflexible, and does not allow access to funds until retirement. Single-premium contributions do not involve a commitment to future payments, and may be more cost-effective than monthly payments.

Retirement planning

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Gilt lining

Article Abstract:

United Kingdom government securities (gilts) offer advantages to investors when there is instability in stock markets. Gilts have tended not to perform as well as stocks over the long term, but they are safe assets. Gilts help the government fund its deficit, and payments are fixed no matter what volatility there may be in markets. The maturities of gilts varies and there are four main types, undated, longs, mediums and shorts. Investors should assess their attitudes to risk when deciding on the weight that gilts should have in their investment portfolios.

Government Bonds, Government securities

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How low charges beat high returns

Article Abstract:

Charges affect total returns from pension investments, and good performance may not be compensated for by high charges, despite conventional wisdom. Performance has to be especially good for some high charging companies to outperform the low chargers. Investors may see particular companies as offering such exceptional performance that this makes up for high charges, but they should remember that past performance does not guarantee exceptional future performance.

Prices and rates, Pensions, Mutual funds

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