2 Plan Wealth Management

By including assets with investment returns that move up and down under different market conditions, an investor can protect against significant losses within a portfolio. Historically, the returns from the major asset classes have not moved up and down at the same time, so by investing in more than one asset type, you'll reduce the risk of losing money and your portfolio's overall investment returns should have a smoother ride.

Recent data from the Office for National Statistics shows that the median value of private pensions in the UK stands around 57, 000. As most people take out the 25% tax free cash of 14, 250 this would only leave enough for a guaranteed income of around 127pm*. Whilst most people tend to spend less money in retirement, 127pm is around 6% of the current national average earnings.

For many people, buying a home will be the largest single investment they make, it's a huge financial commitment that no one can afford to get wrong. Making the wrong decision can be a very expensive mistake. Moreover, trying to pick the best deal from the vast ranges available from hundreds of lenders can seem almost impossible and even if you find a good deal, you may not know whether you will be accepted especially as lending criteria often vary considerably.