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Investment Strategy

Developing an investment strategy.

In retirement you typically have four main investment objectives once you have established a short term cash reserve.

Capital growth with no initial income.

Some income, however with the emphasis on capital growth.

A balance between income and growth.

High income and some capital growth.

Clearly your own particular circumstances will determine which of these options is relevant at the particular time.

Pyramid

The four main asset classes

It is a well established investment principle that diversification can help reduce volatility and investment risk.

Cash tends to be used for the short term.

Fixed interest securities include Corporate Bonds and Government Gilts are selected for steadier returns and income generation.

Property funds provide a tangible asset that adds a measure of stability and the rental yield helps with income.

Shares either individually or a number of shares in funds are widely believed to be the best engine for long term growth and can also provide useful dividends for income or reinvestment.

Click here for Step Eleven: Wills

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