‘Natural income’ vs ‘decumulation’: what’s the best way to take income from my investments? City Talk The goal of many investors is to build a portfolio that can generate sufficient income to replace traditional sources, but this isn’t as straightforward as it may seem. It is essential to understand the different methods of extracting money from your investments. How money is withdrawn can dramatically affect the length of time until that [...]
Sell in May: does the oldest stock market superstition apply to the FTSE 100? City Talk “Sell in May and go away,” so the old stock market adage goes. The theory is that you should sell in summer months because they are usually the worst performing. So investors should sell in May and hold cash until early September – until the St Leger horse race. But data analysed by Schroders offers [...]
How does the FTSE 100 perform before elections? City Talk Data shows that markets tend to rise in the lead-up to elections when there is a degree of confidence about who the likely winner will be. Clear-cut general election campaigns tend to have a positive effect on the stock market, history suggests. Our analysis looked at the final six weeks of the last seven elections [...]
The ‘£2,332’ reason to invest tax-efficiently April 5, 2017 An investor who puts £5,000 each year into the UK stockmarket through an Individual Savings Account (Isa) could save £2,332 in tax over ten years, new analysis suggests. This is because Isas offer protection from the taxman. An Isa is a tax shelter for investments, such as cash or shares. For cash Isas, the savings [...]
Saving for a £1m Isa: How the sums have changed March 29, 2017 British savers have grown used to getting an annual increase in the amount they can tuck away in a tax-efficient Isa. But the increase this year is far bigger than usual. In the new tax year, which starts on 6 April, the allowance will increase from £15,240 to £20,000. This changes the sums for those [...]
Prices on the rise: What next for inflation? February 23, 2017 Inflation is waking up Most of the major central banks are predicting rises in inflation. Price pressure was already beginning to build in 2016 as the world economy showed signs of improvement. Now the policies of a new Trump administration – lower taxes and increased government spending – could increase that pressure. The expectation among [...]
How to prepare your portfolio for inflation December 2, 2016 Concerns about inflation were already on the rise. Donald Trump’s victory in the US election has further stoked expectations that price pressure, absent in most Western economies since the financial crisis, may make a return in 2017 and beyond. The basics Inflation is a measure of how fast the prices of goods and services [...]
The ‘75%’ chance that the Santa Rally exists December 2, 2016 Stock markets are more likely to rise in December than any other month, according to analysis of nearly three decades of data. The analysis conducted by Schroders, which covers the world’s largest markets, adds to the debate over the existence of the “Santa Rally”, an alleged effect often dismissed by seasoned investors. Our analysis [...]
