{"id":3222,"date":"2021-12-02T10:37:55","date_gmt":"2021-12-02T10:37:55","guid":{"rendered":"https:\/\/new.contentdeployment.co.uk\/tomd\/?p=3222"},"modified":"2021-12-02T10:37:55","modified_gmt":"2021-12-02T10:37:55","slug":"a-lifetime-of-investing","status":"publish","type":"post","link":"https:\/\/new.contentdeployment.co.uk\/tomd\/2021\/12\/02\/a-lifetime-of-investing\/","title":{"rendered":"A lifetime of investing"},"content":{"rendered":"<div class=\"hd-block hd-block-paragraph\">\n<p><strong>As we move\nthrough life, our plans and goals will inevitably change. This also goes for\nour investment strategies, which need to flex and adapt as we move through the\ndecades.<\/strong><\/p>\n<\/div>\n\n<div class=\"hd-block hd-block-paragraph\">\n<p><strong>Your\ntwenties and thirties<\/strong><\/p>\n<\/div>\n\n<div class=\"hd-block hd-block-paragraph\">\n<p>The financial\ndecisions we make in early adulthood set the foundations for the rest of our\nlives. At this stage, one of your key goals should be to start saving.\nRetirement may seem a long way away but getting into good financial habits now\ncould mean the difference between a comfortable retirement and having to work\nwell into your later years.<\/p>\n<\/div>\n\n<div class=\"hd-block hd-block-paragraph\">\n<p>Due to the\ntimescales involved, now is the time to take on a little more risk \u2013 you\u2019re\nmore likely to recover any losses in the long term. So, it makes sense to put\nmost of your savings into equity investments, which offer the highest potential\nfor growth. Remember, you\u2019ll also need some easily accessible savings for\nunexpected expenses, or to put down a property deposit.<\/p>\n<\/div>\n\n<div class=\"hd-block hd-block-paragraph\">\n<p><strong>Turning 40\nand 50<\/strong><\/p>\n<\/div>\n\n<div class=\"hd-block hd-block-paragraph\">\n<p>Often\nconsidered the peak earning years, your forties and fifties should be dedicated\nto bolstering your pension and investment portfolio. It is also vital to have a\nsound, tax-efficient financial plan in place at this stage, with regular\nreviews to ensure you remain on track to meet your goals. As you approach\nretirement, a more conservative approach may be appropriate, with funds\nswitching from equities to more stable asset categories.<\/p>\n<\/div>\n\n<div class=\"hd-block hd-block-paragraph\">\n<p><strong>Steady on in\nyour sixties<\/strong><\/p>\n<\/div>\n\n<div class=\"hd-block hd-block-paragraph\">\n<p>With the State\nPension Age continuing to rise, many people are now working and investing until\nwell into their sixties. Your attention will now be shifting to\nincome-generating products, and ensuring your income remains in line with your\nliving expenses. You\u2019ll also likely be considering the best and most\ntax-efficient ways to protect and transfer your wealth.<\/p>\n<\/div>\n\n<div class=\"hd-block hd-block-paragraph\">\n<p><strong><em>The value\nof investments and income from them may go down. You may not get back the\noriginal amount invested. A pension is a long-term investment. The fund value may\nfluctuate and can go down. Your eventual income may depend on the size of the\nfund at retirement, future interest rates and tax legislation.<\/em><\/strong><\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>As we move through life, our plans and goals will inevitably change. This also goes for our investment strategies, which need to flex and adapt as we move through the decades. Your twenties and thirties The financial decisions we make in early adulthood set the foundations for the rest of our lives. At this stage, [&hellip;]<\/p>\n","protected":false},"author":15,"featured_media":3223,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[32,89,38,88,90],"tags":[],"hd_content_source":[],"_links":{"self":[{"href":"https:\/\/new.contentdeployment.co.uk\/tomd\/wp-json\/wp\/v2\/posts\/3222"}],"collection":[{"href":"https:\/\/new.contentdeployment.co.uk\/tomd\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/new.contentdeployment.co.uk\/tomd\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/new.contentdeployment.co.uk\/tomd\/wp-json\/wp\/v2\/users\/15"}],"replies":[{"embeddable":true,"href":"https:\/\/new.contentdeployment.co.uk\/tomd\/wp-json\/wp\/v2\/comments?post=3222"}],"version-history":[{"count":3,"href":"https:\/\/new.contentdeployment.co.uk\/tomd\/wp-json\/wp\/v2\/posts\/3222\/revisions"}],"predecessor-version":[{"id":3232,"href":"https:\/\/new.contentdeployment.co.uk\/tomd\/wp-json\/wp\/v2\/posts\/3222\/revisions\/3232"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/new.contentdeployment.co.uk\/tomd\/wp-json\/wp\/v2\/media\/3223"}],"wp:attachment":[{"href":"https:\/\/new.contentdeployment.co.uk\/tomd\/wp-json\/wp\/v2\/media?parent=3222"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/new.contentdeployment.co.uk\/tomd\/wp-json\/wp\/v2\/categories?post=3222"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/new.contentdeployment.co.uk\/tomd\/wp-json\/wp\/v2\/tags?post=3222"},{"taxonomy":"hd_content_source","embeddable":true,"href":"https:\/\/new.contentdeployment.co.uk\/tomd\/wp-json\/wp\/v2\/hd_content_source?post=3222"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}