Join Helen Bradshaw and CJ Cowan as they look back on five successful years of managing the Monthly Income Portfolios. They’ll also recap on the income paid over the last financial year and discuss their income forecasts for the current financial year, to give you a greater understanding of the income levels your clients might expect to receive. Watch on demand now 👉 bit.ly/3LUK7Iy For professional clients only. The value of investments may go down as well as up.
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🌍 Industry News: Interest rates have finally been cut, offering some relief for businesses and individuals. 📉 This change could have significant implications for your financial planning. Stay updated on how this development impacts you. Read more: https://bit.ly/3AbGtaH #IndustryNews #InterestRates #TurasAccountants
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Xero Accountant | Finance department for busy business owners | Ecommerce Specialists | Crochet Ninja
🌍 Industry News: Interest rates have finally been cut, offering some relief for businesses and individuals. 📉 This change could have significant implications for your financial planning. Stay updated on how this development impacts you. Read more: https://bit.ly/3AbGtaH #IndustryNews #InterestRates #TurasAccountants
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Many people are worried about their monthly budgets getting tighter. After all, it can bring a lot of stress when bills unexpectedly go up. If you haven't had a chance to read it yet, our Wealth Management Update has a section dedicated to giving you pointers on what you can do to help deal with rising bills. It also covers what expenses you should keep paying, even in tougher times, to ensure you stay Financially secure. Read it for free here: https://shorturl.at/eBHW2 Get in touch with us below, and see the difference proper planning can make to your Financial future: 📞: 029 2045 0143 ✉️: info@penguinwealth.com 💻: www.penguinwealth.com #Finance #Financialadvice #Financetips #Wealth #Wealthmanager #FinancialServices #WealthManagement #Cardiff
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Balancing Act: While commission-based earnings can be lucrative, solely depending on variable compensation without a financial safety net can pose risks when closing major deals. 🤹♂️💼🎯 Here's a solution to navigate income fluctuations: Prioritize building a strong emergency fund to ensure stability through unpredictable sales cycles. 💪💰💼
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Chart of the Week - A Closer Look at Personal Savings Rates From a financial planning perspective, there is possibly nothing more important than saving and investing enough to meet future goals. This is because, unlike daily market swings, how much you save and how you invest those savings are completely within your control. The accompanying chart shows that savings rates spiked in 2020 but have been low since then as consumers have spent on goods and services. While this has helped support the economy, households will eventually need to tighten their belts. Investors should continue to stick to their long-term financial plans in order to navigate this environment and benefit from future growth.
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Check out the chart of the week!
Chart of the Week - A Closer Look at Personal Savings Rates From a financial planning perspective, there is possibly nothing more important than saving and investing enough to meet future goals. This is because, unlike daily market swings, how much you save and how you invest those savings are completely within your control. The accompanying chart shows that savings rates spiked in 2020 but have been low since then as consumers have spent on goods and services. While this has helped support the economy, households will eventually need to tighten their belts. Investors should continue to stick to their long-term financial plans in order to navigate this environment and benefit from future growth.
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In 2023 we saw the interest rate shift three times. Although most people understand how interest rates work at a basic level, most people don’t always understand the impact that different interest rates have on their financial decisions. Whether you're saving, investing, or applying for credit, understanding the differences is key to your financial planning. To learn more, click here: https://lnkd.in/d3usTDV7 #MarketTrends #InterestRates
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Is it possible to have a positive average rate of return yet have no money to show for it? Yes. Average rates of return are only part of the story. Most of the time when you’re talking to financial planners, advisors, and money managers, you’ll hear about the average rate of return they’ve been able to produce. Which is great, but you need to question what that actually looks like with real rates of return and money. In my example, I’ve exaggerated the numbers so you can understand the concept first. Suppose you have $100,000 to invest in the market. In year 1, you enjoy a 100% rate of return. You grew your money to $200,000. In year 2 the market drops -50%, putting us back at $100,000. Year 3 results in another 100% return, and brings us back to $200,000. But unfortunately year 4 we have another down year of -50%. So I’m back at my original $100,000. The investment company you’re with is super pleased to announce a positive 25% average rate of return on the prospectus. But what does that mean for you? Your actual return of this money is 0%. Could it be worse when we add in fees, inflation, and taxes? I share this not to say you’re being lied to or that you shouldn’t be invested in the market or that you shouldn't work with an advisor. I share this to say that as you’re looking at your finances don’t focus solely on the average rate of return you’re getting. Focus on the actual growth in dollar amount.
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Problem Solver | PIM Sr. Software Consultant | Finance | Technical Entrepreneurship and Commercialization
This is a great insight by Brock Fortner! On a related note (but different) what I thought of when thinking about what he wrote... Silver lining? a) this is market value *if* you sell (you don't usually have to) *b) In most portfolios I have seen there is more stock/other security over time due to periodic investments or dividend reinvestment c) year 4 would usually have more ownership/shares (just the same market value as 4 years before) d) Bottom line: The original post's point still stands that a positive growth rate != real dollar returns, but there is still progress in most portfolios giving a chance to rebound faster than before. Scenario: Year 5 10% annual yield: If no share increase: 100 shares @ $1100 a share = $110,000 If bought shares: 200 shares @ $1100 a share = $220,000 *note: this was not the original post example, as we see there are $0 of additional payments. This would lower the portfolio rate of return due to an increase in personal investment, but increase real return in the new example.
Is it possible to have a positive average rate of return yet have no money to show for it? Yes. Average rates of return are only part of the story. Most of the time when you’re talking to financial planners, advisors, and money managers, you’ll hear about the average rate of return they’ve been able to produce. Which is great, but you need to question what that actually looks like with real rates of return and money. In my example, I’ve exaggerated the numbers so you can understand the concept first. Suppose you have $100,000 to invest in the market. In year 1, you enjoy a 100% rate of return. You grew your money to $200,000. In year 2 the market drops -50%, putting us back at $100,000. Year 3 results in another 100% return, and brings us back to $200,000. But unfortunately year 4 we have another down year of -50%. So I’m back at my original $100,000. The investment company you’re with is super pleased to announce a positive 25% average rate of return on the prospectus. But what does that mean for you? Your actual return of this money is 0%. Could it be worse when we add in fees, inflation, and taxes? I share this not to say you’re being lied to or that you shouldn’t be invested in the market or that you shouldn't work with an advisor. I share this to say that as you’re looking at your finances don’t focus solely on the average rate of return you’re getting. Focus on the actual growth in dollar amount.
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