The best 投資 信用s for your 年金 - 専門家s 明らかにする/漏らす their 選ぶs
Best 投資 信用s for your 年金: Tips for your 大臣の地位 throughout your 財政上の life
When it comes to building your 年金 マリファナ or 投資するing it for 退職 income, finding a reliable 投資 事柄s.
Returns are never 保証(人)d - and 投資s go 負かす/撃墜する 同様に as up - but there are some 特徴 that make some stand out.?
Many 投資 信用s have built remarkable 跡をつける 記録,記録的な/記録するs for raising (株主への)配当s, making them a popular 選択 for people 製図/抽選 負かす/撃墜する an income in 退職.
But 財政上の 助言者s have also come up with some 最高の,を越す 選ぶs from the world of 投資 信用s for those still building up a 年金 too.
The 協会 of 投資 Companies has 収集するd 専門家 推薦s for what is known in 財政上の jargon as the 'accumulation' 段階 of a saver's life, and for those needing an income in the 'decumulation' 行う/開催する/段階 in 退職.
投資 信用s are 名簿(に載せる)/表(にあげる)d companies with 株 that 貿易(する) on the 株式市場.?
They are known as の近くにd-ended, because i nvestors can buy or sell 株 to join or leave, but new money outside this pool cannot be raised without 問題/発行するing new 株.
That is unlike open-ended 投資 基金s where money is pooled to 投資する in 株, 社債s or other 基金s.
投資 信用s can be riskier than 基金s because their 株 can 貿易(する) at a 賞与金 or 割引 to the value of the 資産s they 持つ/拘留する - see below for more on how this 作品.
Although the 名簿(に載せる)/表(にあげる) below has been 選ぶd by four professional 財政上の 助言者s, remember that this is not individual 財政上の advice and you should always check if an individual 投資 is 権利 for you. If in 疑問, 捜し出す 独立した・無所属 財政上の advice.
Saving: 'I' m still building up a 年金'
Paul Chilver, 財政上の planning 経営者/支配人 at Birkett Long
With the seemingly ever-増加するing 明言する/公表する 年金 age and the 来たるべき 増加する to the age an individual can 接近 their 年金, 投資するing into a 年金 is for the long 称する,呼ぶ/期間/用語.
With this in mind 投資 信用s, many of which are 貿易(する)ing の近くに to 記録,記録的な/記録する 割引s, could be an excellent 選択.
割引s are 特に attractive on UK-焦点(を合わせる)d 投資 信用s and one suggestion for the accumulation 行う/開催する/段階 of 投資 is the 商業の 投資 信用 managed by JPMorgan which has been at a 二塁打-digit 割引 for many months にもかかわらず very good short-称する,呼ぶ/期間/用語 業績/成果.
商業の 投資 信用?(現在進行中の 告発(する),告訴(する)/料金: 1.41 per cent)
Philippa Maffioli, 上級の 投資 経営者/支配人 at Blyth-Richmond 投資 経営者/支配人s
During the accumulation 段階 when growth and diversification are 必須の, I recommend 世界的な Healthcar e 信用.
This 全世界の 信用 gives 投資家s the 適切な時期 to 伸び(る) (危険などに)さらす to 製薬の, 生物工学, and other 関係のある healthcare companies all within an 活発に managed 大臣の地位.
These 範囲 from large 多国籍の 製薬のs to unquoted 現れるing 生物工学 companies. The 基金 is managed by OrbiMed 資本/首都 which was 設立するd in 1989 and has become the largest healthcare 投資 会社/堅い in the world.
The team are 活発に looking at nearly 1,000 companies and the team 作品 to identify sources of outperformance 同様に as those with underappreciated 製品s in the pipeline with high 質 管理/経営 teams and strong 財政上の 資源s.
世界的な Healthcare 信用?(現在進行中の 告発(する),告訴(する)/料金: 0.83per cent)
I am very keen for my (弁護士の)依頼人s to 伸び(る) (危険などに)さらす to the 管理/経営 style of Spencer Adair and Malcolm MacColl of The 修道士s 投資 信用 during the accumulation 段階 of a Sipp.
Their 目的(とする) is to 焦点(を合わせる) on 全世界の companies from a 範囲 of profiles with above 普通の/平均(する) 収入s growth which they 推定する/予想する to 持つ/拘留する for around five years.
That said, they are known for 演説(する)/住所ing 問題/発行するs 長,率いる on and aren’t afraid to take a 批判的な look at their 大臣の地位 when necessary, which I believe is very 説得力のある.
I believe that 修道士s is 井戸/弁護士席 positioned to capitalise on the continuous 転換 to a more digitalised world and must be 含むd in a 大臣の地位 where growth is 要求するd.
修道士s 投資 信用?(現在進行中の 告発(する),告訴(する)/料金: 0.69 per cent)
Doug Brodie, 創立者 and 長,指導者 (n)役員/(a)執行力のある of Chancery 小道/航路
In building 年金s 投資家s should take 公式文書,認める that 信用s like Lowland, Murray International and City of London have all handsomely outperformed the FTSE All 株 over the last 20 years.
投資 信用s may not have the sales and marketing 予算s of 年金 companies so 投資家s have to look a bit harder.
A quick look at the long-称する,呼ぶ/期間/用語 returns will show folk there’s a good 推論する/理由 that institutional 投資家s are big 投資家s in 信用s.
Lowland?(現在進行中の 告発(する),告訴(する)/料金: 1.03 per cent)
Murray International?(現在進行中の 告発(する),告訴(する)/料金: 0.78 per cent)
City of London?(現在進行中の 告発(する),告訴(する)/料金: 0.65 per cent)
Neil Mumford, 借り切る/憲章d 財政上の planner at Milestone Wealth 管理/経営
For those looking for growth, I’d recommend JPMorgan 全世界の Growth and Income 信用. This is one of the few 投資 信用s to be 貿易(する)ing at a 賞与金, but this should not 関心 long-t erm 投資家s.
It places a high 強調 on the world’s largest 株式市場 the US, accounting for two-thirds of the 大臣の地位. It is a high 有罪の判決 大臣の地位 with 50 to 90 holdings, with the 最高の,を越す ten making up more than 40% of the 大臣の地位.
This has 許すd it to outperform by some 利ざや with a 305 per cent return over the last ten years.
There will be times when there may be swings in the 大臣の地位 value but for the 患者 投資家 this will hopefully 支払う/賃金 off. If there was 関心 about the 賞与金, this 信用 would also be ideal for 正規の/正選手 月毎の 投資s.
JPMorgan 全世界の Growth and Income (現在進行中の 告発(する),告訴(する)/料金: 0.66 per cent)
Drawdown: I need to 投資する for income
Neil Mumford of Milestone Wealth 管理/経営
The Scottish American 投資 Company is my choice for someone looking at building either an income or growth 大臣の地位 and is a 最高の,を越す five 持つ/拘留するing in my own Sipp.
I am still 蓄積するing but it will stay once I am 製図/抽選 負かす/撃墜する. It is a truly diversified 公正,普通株主権 大臣の地位, spread 平等に between the US and Europe at around 35 per cent each of the 大臣の地位.
Neil Mumford:?The Scottish American 投資 Company is a 最高の,を越す five 持つ/拘留するing in my own Sipp
Although it doesn’t have the highest 産する/生じる at 2.9 per cent, this (株主への)配当 hero has 増加するd its payouts by an 普通の/平均(する) of 4.2 per cent a year over the past five years and this (株主への)配当 増加する has not 妨害するd its ability to grow 資本/首都 ? a total return of more than 170% over the last ten years should please any 投資家.?
The price is 現在/一般に a 完全にする 取引 when you consider that it is 貿易(する)ing at an 極端に attractive 割引 to 逮捕する 資産s of around 10 per cent when 歴史的に it has been 貿易(する)ing at 近づく NAV or at a 賞与金.
Scottish American 投資 Company (現在進行中の 告発(する),告訴(する)/料金: 1.01 per cent)
Philippa Maffioli of Blyth-Richmond 投資 経営者/支配人s
During the decumulation 段階 when 資本/首都 growth is not as important and the 強調 can 転換 に向かって 資本/首都 保護, Personal 資産s 信用 has an important place in many retirees’ 大臣の地位s.
The 経営者/支配人’s approach is reassuringly 保守的な and is 焦点(を合わせる)d on looking at the 危険 of losing money rather than the 危険 of volatility.
Even though this is the 事例/患者, it 申し込む/申し出s 全世界の diversification across four 資産 classes and is a bedrock for lower 危険 and/or decumulating 大臣の地位s.
It is managed by Sebastian Lyon who is 補助装置d by Charlotte Yonge and their 政策 is to 保護する and 増加する (in that order) the value of 株主s’ 基金s over the long 称する,呼ぶ/期間/用語.
Personal 資産s 信用 (現在進行中の 告発(する),告訴(する)/料金: 0.67 per cent)
Ruffer 投資 Company is another 信用 which concentrates on 資本/首都 保護 and has a very successful 跡をつける 記録,記録的な/記録する in 達成するing this.
The 客観的な is to 持続する a diverse 戦略 会社にする/組み込むing short-時代遅れの 社債s, credit and derivative 戦略s and precious metals, 加える a diverse spread of international 公正,普通株主権s.
The 投資 戦略 and 資産 配分 are 始める,決める by Henry Maxey and Neil McLeish, Co-長,指導者 投資 Officers, supported by a team of 上級の 基金 経営者/支配人s and 研究 分析家s.
Paul Chilver: 投資 信用s can smooth their income 支払い(額)s, meaning some income can be 保持するd in 事例/患者 it is needed in 未来
Ruffer 捜し出すs to 保存する 資本/首都 using a very disciplined approach with the prime 客観的な of 持続するing value over a one-year period and growing 資本/首都 over the longer 称する,呼ぶ/期間/用語. This means they would perceive a loss in line with the market as a 失敗.
Ruffer 投資 Company (現在進行中の 告発(する),告訴(する)/料金: 1.07 per cent)
Paul Chilver of Birkett Long
When you come to draw an income from your 年金 投資 信用s are an excellent choice.
In part this is because they can smooth their income 支払い(額)s, meaning some income can be 保持するd in the 信用 in 事例/患者 it is needed in 未来 when 株式市場s may be more volatile.
There are many 投資 信用s 支払う/賃金ing an attractive (株主への)配当 and my first suggestion is a UK-焦点(を合わせる)d 投資 信用, Edinburgh 投資 信用.
This is a long-standing 投資 信用 and is now managed by Liontrust に引き続いて their 取得/買収 of Majedie.
A second suggestion would be a 全世界の 投資 信用, JPMorgan 全世界の Growth and Income.
This 信用 has its greatest 負わせるing to US 公正,普通株主権s and is 現在/一般に 支払う/賃金ing a 産する/生じる of 3.4 per cent per 年.
Edinburgh 投資 信用 (現在進行中の 告発(する),告訴(する)/料金: 0.53 per cent)
JPMorgan 全世界の Growth and Income - also see above (現在進行中の 告発(する),告訴(する)/料金: 0.66 per cent)