When comparing the current economic environment with notable past recessions there are key indicators that are often assessed, these include (not limited to) :
- Availability of bank credit
- Inflation
- Valuation
- Household debt to income ratio
The above table was produced by Robert Shiller, the Federal Reserve and Haver Analytics 6/30/17.
It appears to be a little more optimistic than other current pessimistic commentators suggest – quote ” we find the classic telltale signs of excess are not evident”.
This does not mean there may be an outlier event that could trigger a major sell off – see our earlier posts and next post on potential drawdowns.
At Nelson Life encourage you to think carefully before you make any investment decision.
1. Assess your appetite for risk – using psychometric tools and understand your capacity for loss. This needs to be discussed.
2. Consider your short and medium needs for capital (children, retirement, changing job, redundancy, illness, death, starting new job or starting your own business)
3. Structure of the investment and how gains are taxed – Capital Gains Tax, Gross Roll Up, Pension Exempt or DIRT.
4. We recommend an investment term of 5 to 7 years minimum for any non capital secured investment.
5. We will discuss the options available, from the many providers we have access to, to ensure your investment is well diversified between key asset classes.
If you have a financial question please contact us
091 44 11 88 or office@nelsonlife.ie
Are you search for independent advice in relation to your pension, investment or savings?
Nelson Life have access to over 20 trusted companies.
We are independent financial advisors and are not tied to one provider.
We offer financial advice to personal customers and business owners.
Investment, pensions, AMRFs, ARFs, savings, specified serious illness cover, salary protection, pension schemes, life cover and financial planning.
WARNING: Past performance is not a reliable guide to future performance.
WARNING: The value of your investment may go down as well as up.
WARNING: You may lose some or all of the money you invest.
WARNING: These funds may be affected by changes in currency exchange rates.
WARNING: If you invest into this product you will not have access until you retire.
The content of this e-mail does not constitute investment advice, as it does not take into account the investment objectives, knowledge and experience of financial situation of any particular person. Prospective investors are advised to make their own assessment of the information contained herein and to obtain professional advice suitable to their own individual circumstances.
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