One of the most popular questions I am
asked on Money to the Masses. Now I
don't have a crystal ball
neither does the market despite the fact they
try and guess all the time and have done for
the last seven years and got it wrong.
What I'd say are there are a few tips, things to
look out for that may give an indication
of when interest rates my go up.
So keep an eye on news stories to do with
inflation. When inflation goes up it's
much more likely that interest rates will
rise. So if we get a prolonged period of
high inflation and you keep seeing it in
the news there's a good chance that rates
could start going up. Another thing is Mark
Carney who is the governor of the Bank
of England and they're the guys who
actually set our interest rates and they
like to drop hints before interest rates
might go up or down to try and prepare the
market because actually the preparation
of the market is just as important because they
don't want to shock things and stop
everybody spending money if they think
they're going to have less money if their
mortgage goes up. So keep an eye on what
Mark Carney and the Bank of England are also saying.
Think of it like a box which you
can put your investments in and
it enables them to grow tax-free, you don't pay tax
on the income or any gains that you have.
Now this box everyone has one they can
put stuff in every year, they get a box in effect
but if you don't use it you lose it. So
it's just a wrapper, something
you can put your investment in and
that will be typically cash or that can be
stocks and shares hence the name or
funds. So Stocks and Shares ISAs you
get an allowance every year make sure you use
it or you will lose it
This is probably one of the questions
that most advisors and wealth managers
struggle with because it's the
million dollar question where are you going
to put it. Are you going to buy property with your
money are you going to buy UK shares, American shares
bonds? There's going to be different
allocations for different people
depending on your risk. If you're a risky
kind of person, you like a bit of risk
then you may want to
buy things like shares or if you are risk
averse you might like to stick to cash.
So in order to answer that because I'm asked it
so often I built a calculator, so it's a
bit blue peter he is one that I prepared
earlier. I built a calculator where you
can put in your age and you adjust it
for the kind of risk you like and it
will push out a dummy portfolio
showing you where to put your money in
terms of equities, if its in the UK, abroad,
property, cash. Its not advice but it's
just an example. So go and check the link below this video.
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