Author: Rory

making better investment decisions Investment markets have been especially volatile for investors this year. In these uncertain times it may be difficult to remain committed to your investment plan. think longer-term This is why we at Nelson Life we believe you should think longer-term. If you are invested then you should have an investment timescale […]

Saving and investing for your future is something we all know and have been told we should do. The reality is though, it not always easy to make changes One of the most interesting parts of my job is asking older customers what they would do differently and what financial & investment advice would they […]

I’ve moved jobs a couple of times over the years, how do I keep track of my pensions? As you move jobs you may start to accumulate small pension benefits in different employer pension schemes. When you leave a job you will have to decide what to do with the pension benefits you may have […]

Understanding the risk reward trade off Generally, most pension providers will now provide access to a range of funds that are graded on a risk scale 1 to 7 (where 1 is the lowest risk and 7 is the highest risk). Everyones attitude to risk is different. However, it is really important to understand what […]

I am often asked to provide the ‘numbers’ why starting a pension earlier makes more sense than waiting. Often,  there is no real reason why new customers haven’t started a pension plan. Yet, when a new potential pension starter is shown these figures the need to at least start a pension becomes clearer. These numbers […]

Lessons from ‘extreme events’ Attempting to time markets is very difficult (even the professionals find this a challenge). So when an extreme market event occurs such as the Post World War II crash, or the Dot Com crash, remaining invested through the difficult times has eventually paid off. While stock markets falls are painful, history […]

It’s now time to plan. The closer we get to retirement, the more we start thinking about what we will have to live on. For many clients, once they hit aged 50, the focus really starts on what am I going to live on when I finish employment. Your pension fund will be a big […]

Questions – do you have an investment property which forms part of your financial plan (cash flow planning) ? – is it worth more / less than you paid for it? – if you died, would you leave it mortgage free? – if you wanted to go ahead and increase your life cover, how do […]

Protect what matters to you the most With many people facing financial challenges we are urging families everywhere to consider what sort of financial cover they have in place should the unexpected happen. Many of us will instinctively rely on our savings and investments or the value of our properties as our financial cushion should […]

Understanding risk We all have different attitudes toward investing risk. Firstly, you need to think about what you want to save or invest for – what is your goal. Then, think about how comfortable you are with the possibility of losing money, what your time frames are and how you emotionally deal with volatile returns. […]