Savings & Investments

Back to InSight
Investing for income-131

Investing for income,
growth or both in retirement

The best time to start investing was 20 years ago. The second best time to start investing is now. But as you have been building up your investment wealth over the decades, in all likelihood you’ve probably pursued growth above all else, looking to maximising the value of your savings.

Download PDF
Stocks & Shares ISA-131

Stocks & Shares ISA

So you’re looking to accumulate a sum of money by investing. You may have a specifc amount in mind. This could be to go towards helping to fund your child’s university fees or to pay for a trip of a lifetime.

Download PDF

Protecting the value of your money

Inflation is an economy-wide sustained trend of increasing prices from one year to the next.The rate of inflation is important as it represents the rate at which the real value of savings and an investment is eroded and the loss in spending power over time. Inflation also tells investors exactly how much of a return their investments need to make for them to maintain their standard of living.

Download PDF

Wealth Creation

Investing for the long term means persisting through market swings. History shows that when people invest and stay invested, they’re more likely to earn positive returns in the long run.When markets start to fluctuate, it may be tempting to make financial decisions in reaction to changes to your portfolio.

Download PDF

Money’s too tight to mention

Inflation can have a significant impact on our finances in a number of ways. But what exactly does it mean? And what impact could it have on our savings and investments? It’s important to understand how inflation works, as well as the effects it has on our financial planning. As the American economist Milton Friedman remarked, ‘Inflation is taxation without legislation.’

Download PDF

Market exposure

The earlier you commit to an investment strategy, the longer your money can work in the market. However, the world is an uncertain place at the moment. The deadline for the United Kingdom’s withdrawal from the EU is edging closer, and there is also the ongoing threat of an all-out trade war breaking out.

Download PDF

Impact investing

For those looking to make the world a better place, but not wanting to sacrifice returns or profits, impact investing aims to support a positive social or environmental impact as well as looking to achieve compelling financial returns at the heart of sustainable investing.

Download PDF

Transferring ISAs

If you have accumulated a number of Individual Savings Accounts (ISAs) over the years, keeping them all in one place could give you better control and help you save money.There’s a common misconception that you can’t move your existing ISAs from one provider to another.Transferring your ISAs doesn’t affect its tax-efficient status, but you should make sure that you don’t have to pay penalties or give up valuable benefits.

Download PDF

Investment choices

The world of investing can seem daunting.Whatever stage of life you’re at, we’ll guide you through the appropriate investment opportunities available to you. Every investor needs to ask themselves the same basic questions before getting started.

Download PDF

Diversification, diversification, diversification

There are many ways to invest and different types of investments. But when looking to build an appropriate diversified portfolio, investors have a number of different characteristics to evaluate. For example, is the investment designed to provide growth or income? Is it domestic or international? Does it have a maturity? Another consideration is whether the investment is actively or passively managed.

Download PDF

Individual Savings Accounts

A new tax year is nearly upon us – and that means, for all diligent savers and investors, you should make sure that you take full advantage of your current Individual Savings Account (ISA) tax-efficient allowance.

Download PDF

Investing for the Future

Many of us have been brought up to believe that saving is the responsible thing to do. But in today’s environment of low interest rates and rising in ation, savers may need to consider becoming investors to prevent the erosion of their assets.

Download PDF
Savings Black Hole

Savings black hole

Millions of Britons could see their savings shrink, as they don’t know how to shield them from the threat of rising in ation. Currently, UK savers are hoarding over £60 billion[1] in cash for long-term savings and investments, which stands to be eroded by £1.5 billion this year as a result of higher inflation.

Download PDF
Balancing Act

Balancing act

Before investing, you need to decide how much risk you are willing to take and consider your ability to deal with any losses. Some investors are happy to take higher risk if there is a chance for higher returns over the longer term, while others don’t want to accept any risk. Others may sit somewhere in the middle.The value of investments can go down as well as up, and so there is always a risk that you may not get back the amount you put in.

Download PDF
Are you ready to invest

Are you ready to invest?

Whatever you’re putting money aside for, there’s likely to be a role for Individual Saving Accounts (or ‘ISAs’). Low interest rates on cash savings since the nancial crisis have meant that many savers have turned to the markets in the hope of achieving a better return.

Download PDF

Market sentiment

It is impossible for investors to predict the future. Short-term losses can be unsettling, but holding steady through the ups and downs is the best way to reach your long-term investment goals.

Download PDF

Get ‘wrapped’ up

Some people don’t want a pension company deciding how their pension savings are invested – they want to control where their money goes and how it grows. For people wanting to have autonomy to make their own investment decisions with their retirement savings, a Self-Invested Personal Pension (SIPP) may be an alternative solution.

Download PDF

Long-Term Investing

Healthier lifestyles and medical advances mean that many of us can expect to enjoy longer lifespans than previous generations. However, this creates a significant challenge both for society as a whole and for us all as individuals – how to fund a fulfilling life beyond our working years.

Download PDF

Investing for Income

With historic ultra-low interest rates on savings, many investors over the past decade have turned to income-paying funds as an alternative to cash-based savings.

Download PDF

Investment wise

The key to successful investing isn’t predicting the future, its learning from the past and understanding the present. To give your money its best opportunity to grow, whether you’re just starting to build a portfolio or looking to rebalance an existing one, we consider some of the key questions you need to consider to nurture your wealth.

Download PDF
Screen Shot 2017-07-20 at 13.50.57

A little today, a lot tomorrow

A common mistake that some investors make is not diversifying their portfolio enough.To make sure investments are spread across different asset classes, it could contain a blend of equities, bonds, cash, property and others (such as commodities and gold) to benefit from their changing investment cycles.

Download PDF
Screen Shot 2017-07-20 at 13.55.18

Don’t put all your eggs in one basket

One of the most effective ways to manage investment risk is to spread your money across a range of assets that, historically, have tended to perform differently in the same circumstances. This is called ‘diversification’.

Download PDF
Screen Shot 2017-07-20 at 14.17.54

Hello LISA

The start of the new tax year on 6 April 2017 saw the launch of the Lifetime ISA (LISA), which was announced in the 2016 Budget. This is a new type of Individual Savings Account (ISA) designed to help you save for a first home or for your retirement at the same time.To be eligible, you have to be aged between 18 and 39 years old (up until your 40th birthday).

Download PDF
Screen Shot 2017-07-20 at 14.19.58

Income investment strategies

People are living longer. Simple demographics mean that supplementary income is no longer a luxury – it’s a necessity. Meanwhile, interest rates are at historic lows – even before you take account of in ation. So, relative to cash, the yield on equities and corporate bonds looks understandably attractive.

Download PDF
-Invenstment company inflation busters

Investment company inflation busters

After a sustained period of rock-bottom interest rates, investors have long been hungry for yield, meaning that income portfolios have work to do.

Download PDF
-Origins of wealth

Origins of wealth

We understand that no two people are alike and that each of us will have a unique set of objectives.As professional advisers, our starting point is therefore always to take the time to truly understand your goals and aspirations and to turn your vision into a reality that creates sustainable solutions for your aspirations.

Download PDF
-Pound cost averaging

Pound cost averaging

It’s natural to be looking for ways to smooth out your portfolio’s returns. Investing regularly can smooth out market highs and lows over time. In a fluctuating market, a strategy known as ‘pound-cost averaging’ can help smooth out the effect of market changes on the value of your investment and is one way to achieve some peace of mind through this simple, time-tested method for controlling risk over time.

Download PDF
-Who will be opening a new ISA in 2017

Who will be opening a new ISA in 2017

Savers have had it extremely tough over many years now, and yet many still feel uncertain about making the switch to investing. This is largely because people don’t know quite where to start, and they are wary of the risk.

Download PDF


Dimensional Introduction

Dimensional is a different kind of global investment management firm. For more than 30 years, we have translated financial research into real-world investment solutions designed to help investors pursue their financial goals.

View Video


A Foundation Built on Great Ideas

Many of the greatest advancements in finance have come from academic research. Dimensional Fund Advisors is a pioneer in translating those discoveries into practical investment solutions for clients.

View Video


Dimensional Origins

For more than 30 years, Dimensional has been translating compelling research into practical investment solutions for our clients.

View Video


Myron Scholes on Dimensional

Nobel prize winning economist Myron Scholes reflects on the beginnings of Dimensional and its unique approach to investing.

View Video


Weston Wellington on Dimensional’s Philosophy

Vice President Weston Wellington explains how he came to embrace Dimensional’s belief in markets and approach to investing.

View Video