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Tuesday November 21st, 2017 

News Archive - November 2016

It's never the right time! 

The interest rates on cash savings are as low as they have ever been. People don't see cash savings as a 'risk', but over the long term you risk losing value as the effects of inflation slowly erode the buying power of your savings. Inflation is forecast to rise over the next 12-18 months. Because of this, I see a lot of people who are looking for other investment options.

However, a common theme when talking to clients recently is that they think stock markets are 'high' and that there are a lot of uncertainties that make it hard to commit to an investment. People like the idea of waiting until the stock market suffers a big fall or 'correction', at which point they plan to make an investment. By buying at the 'bottom' they hope to make a quick and easy profit.

In reality, there are a few reasons why this is not as easy as it sounds.

Would you invest when the world is in turmoil?

It takes guts to buy when the news is telling you that there's a financial crisis of some kind. It's a tough decision even for experienced investors.

Stock markets can rebound quickly.

By the time you get round to investing, the market may have already recovered.

You might wait forever.

What if you wait three years for a fall on the stock market? Or five years? In the meantime, you may have missed out on a lot of growth.

There will always be uncertainty.

There's never a perfect time to invest. There will always be something on the news to make you think that disaster is around the corner.

Nobody likes to see the value of an investment fall, especially in its early years, but these falls in value are only realised if you sell or encash the investment. Why not take some professional advice from Mulberry Financial in Macclesfield on safe, regulated investments that could be part of your long-term financial plans?

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The material here is for general information only and is not intended to be relied upon for individual investment decisions. Appropriate independent advice should be obtained before making any such decisions. Mulberry Financial Ltd does not accept any liability for any loss suffered by any user as a result of any such decision.
The information is based on our understanding of current HMRC rules and practices (as at the news article date) which are always subject to change. Taxation and trust advice and Cash ISAs are not regulated by the Financial Conduct Authority. This site is aimed at UK residents only.
Please remember that the prices of shares and other investments can fall sharply. You may not get back the money you originally invested. Past performance is not necessarily a guide to the future.


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