About Tom Hutt

If you are looking for Pension Advice, Mortgage Advice, Investment Advice, Life Assurance and all Independent Financial Advice in Leamington Spa, Warwick, Kenilworth, Coventry and surrounding areas phone us for a FREE consultation.

August 2017

Pooled investment funds

By |August 16th, 2017|

Combining sums of money from many people into a large fund spread across many investments
Pooled investment funds – also known as ‘collective investment schemes’ – are a way of combining sums of money from many people into a large fund spread across many investments and managed by a professional fund manager.
There are a diverse range […]

Investing in a fund

By |August 14th, 2017|

Making investment decisions on behalf of the investor
There are many reasons to invest through a fund rather than buying assets on your own. At a basic level, investing in a fund means having a fund manager make investment decisions on behalf of the investor.
You receive reports on the fund’s performance but have no influence on […]

Ethical saving and investing

By |August 11th, 2017|

Making the world a better place
With a defined contribution pension, you build up a pot of money that you can then use to provide an income in retirement. Unlike defined benefit schemes, which promise a specific income, the income you might get from a defined contribution scheme depends on factors including the amount you pay […]

Maintaining a diversified portfolio

By |August 9th, 2017|

Spreading risk between different kinds of investments
When you start investing, or even if you are a sophisticated investor, one of the most important tools available is diversification. Whether the market is bullish or bearish, maintaining a diversified portfolio is essential to any long-term investment strategy.
Diversification allows an investor to spread risk between different kinds of […]

Understanding investment risk

By |August 7th, 2017|

Making informed decisions to improve your chances of achieving your financial goals
If you want to plan for your financial future, it helps to understand risk. If you understand the risks associated with investing and you know how much risk you are comfortable taking, you can make informed decisions and improve your chances of achieving your […]

Investment objectives – a lifelong process

By |August 4th, 2017|

Protecting your wealth from market ups and downs
If you’ve got a sufficient amount of money in your cash savings account – enough to cover you for at least six months – and you want to see your money grow over the long term, then you should consider investing some of it.
Investing is a lifelong process, […]

Reviewing your needs and goals

By |August 2nd, 2017|

The most radical changes to pensions in almost a hundred years
It’s well worth taking the time to think about what you really want from your investments. Knowing yourself, your needs and goals, and your appetite for risk is a good start.
1. Consider your reasons for investing

It’s important to know why you’re investing. The first step is to […]

July 2017

Don’t let your portfolio wealth simply drain away

By |July 31st, 2017|

Millions of Britons could see their savings shrink because they don’t know how to shield them from rising inflation. The findings are according to research by YouGov for Zurich, which found more than a third (37%) of people aged 18 to 65-plus are in the dark over ways to grow their savings enough to at […]

Pensions revolution

By |July 28th, 2017|

Awareness and understanding amongst the public still remains low
6 April 2017 marked the anniversary of both the new State Pension and the new pension freedoms. These major overhauls have revolutionised the UK pensions landscape, but research from Aviva suggests work to improve pension saving is far from done as awareness and understanding amongst the public […]

Dreaming of an early retirement

By |July 26th, 2017|

When you quit the rat race, will you really have the time of your life?
We all know that we need to save money for our retirement, but knowing it and doing something about it are very different things! Younger generations may be bracing themselves to work well into their 70s – but the early retirement […]