Where to Invest 2012

Past Money Tips have indicated that you cannot leave your retail funds to manage themselves, and this is particularly true for pension funds. Everybody nowadays has to learn how to manage their money since occupational penssions are a thing of the past, and few of us have trust funds we can rely upon. We tend to hope that when we buy a ´managed´ fund then it will be managed, but as we´ve seen in past Money Tip issues, this is not true in the way we mean it. Managed funds should be called ´here is our set mix which we won´t change´ and life companies when asked tend to say that the choice of fund was down to the individual. Even asset managers and stockbrokers tend to remain invested in the same old areas that worked 40 years ago hoping that little has changed. Which leaves the individual holding the bag - and a gradually deflating bag it is - for where to invest. But there have been growth areas, just not where they used to be. To help you make your mind up, we´ve published Solution Paper No. 6 for where to Invest 2012.

You should have made 20% to 30% gains April 2008 to April 2011 if you had been invested in the growth areas, and with a balanced portfolio for risk. You can download our solution for 2012 at the link on the left.

Remember, if you our help to manage your money our fees start from only £25 per month and include a tax return service. If you want us to help you manage your investments, because we slimline all charges and remove every excess commission, we tend to be able to achieve good results with £100,000+.

© copyright 2011-2012 Fee-Only Planning Ltd. Best Money Decisions, all rights reserved. Excerpts may be quoted with full acknowledgement by prior agreement. This Money Tip is not advice you can rely upon alone for making decisions: always seek professional advice. This is not an incentive to buy or sell any security. This type of research information is only available for those who have passed the Competent Investor Quiz at the end of our book.