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Savings & Investments

How might negative interest rates affect investors?

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If you’ve never heard of negative interest rates before, you’re not alone. For many years, such an idea has remained exactly that amongst economists – an idea which could work in theory, but perhaps not in practice (similar to how scientists typically regard faster-than-light travel). Yet the idea of negative interest rates has recently been tried by economies such as Sweden, Japan and even the European Central Bank (ECB)…

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Diversification: a short guide to investing

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If you’re wondering how to start investing or develop your portfolio, then at some point you will hear about diversification. In simple terms, this refers to the practice of spreading out your investments across many different markets and asset types. Rather than putting all of your eggs in one basket (e.g. by investing all your capital in one stock), this approach helps you to mitigate unnecessary risks.

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How should dividends feature in a portfolio in 2020?

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This content is for information and inspiration purposes only. It should not be taken as financial or investment advice. To receive personalised, regulated financial advice please consult us here at Elmfield Financial Planning in Padiham, Burnley, Lancashire. In the low-yield environment if 2019, it was commonly thought that it was hard to generate an income from an investment portfolio –…

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5 investor biases to avoid when the market is volatile

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This content is for information and inspiration purposes only. It should not be taken as financial or investment advice. To receive personalised, regulated financial advice please consult us here at Elmfield Financial Planning in Padiham, Burnley, Lancashire. At the time of writing (May 2020), few people are certain of where the markets are heading and you should probably be wary…

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Dividend Investing 2020: A Short Guide

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If you are interested in investing in the stock market, then you might have heard of dividend investing. Yet how is it different from other types of equity investment, and how should it fit within an investment portfolio? In this short guide for 2020, our Lancashire-based financial planning team will be sharing some thoughts on these sorts of questions. We hope you find this content helpful. If you’d like to speak to…

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