October 2014 - HBFS

Manage the Headlines

Manage the headlines

Posted by | Investments, Pensions, Retiring | No Comments

The temptation for many when confronted by negative sentiment is simply to exit the market. Recent events in Russia highlight how swiftly an indiscriminate sell-off can take place. However, acting on sentiment would be doing our clients a disservice. Every position we hold in our portfolios is there for a reason and is subjected to ongoing reassessment. Unless macroeconomic or political shocks severely impact the long-term operating environment of a company, we will stay true to the conviction that made us invest in the company in the first place.

So continuing with Russia as an example, we have held a residual overweight position for a long time in the Fidelity Emerging Markets Fund. The country is renowned for a plethora of cheap companies, but many of them are cheap for a reason – there are political and corporate governance risks that you assume when investing in Russia. Most of our Russian holdings are supported by a very attractive dividend yield which delivers a significant proportion of our total shareholder return to us in cold, hard cash. Indeed, compelling dividend yields, coupled with recent valuation compression, can provide a sound footing for generating future shareholder returns.

a-different-slant-on-investing

A slightly different slant on investing, lest we all forget!

Posted by | Investments | No Comments

We all tend to focus on how our savings are doing whether they are in a bank account or direct equity, property etc. What we do forget is investing in ourselves?

So you’re a happy couple, family doing well for yourselves, good income stream, pension planning coming on well, mortgage rapidly dropping (in this low rate environment) and cash in the bank. What have we forgotten?

You and your spouse the most valuable assets you possess!

Most of us recognise the importance of taking out insurance to cover valuable possessions such as our homes and cars, even pets. Less of us have the protection in place to cover ourselves and families should something prevent us from working. This is how all of a sudden all the hard work mentioned above goes to pot and instead of retiring comfortably your situation alters greatly to one of worry.

How many of you have thought about how valuable you are to your children, and spouses and what would happen, if you fell seriously ill or pass away? According to the latest figures from the Office of National Statistics, less than 20% of British men and 10% of British women die before their 60th birthdays. However, millions of Britons under the age of 60 are diagnosed with critical illnesses every year.

Whilst, unfortunately most major life events can’t be foreseen, they can be planned for; we explain some of the different types of cover available that could help support you or your family in times of crisis.

Contact HBFS now for more information on protecting your most valuable asset.

FTSE 100 Update

FTSE 100 Third Quarter Investment Briefing

Posted by | Investments | No Comments

An interesting quarter period, the FTSE 100 started this quarter at 6802.40 dipped to a low of 6567 on the 8th August, when all the investors went on holiday, topping up their tans. Rolling back up and peaking at 6878 on the 4th September, then the Scottish referendum knocked confidence until post vote, bringing us back to where we started the quarter. Unfortunately the market has resumed its downward motion and even with a sprightly rise from the US and Europe, the FTSE 100 suffered partly due to Tesco’s overstating profits by a smidgeon of £250 million, leaving the FTSE 100 with a final negative position of -2.65% for the quarter.

The Global markets in general have all been rolling around getting nowhere particularly fast, this last quarter. Unfortunately, there is plenty of unrest in much of the World at present which isn’t helping sustain any prolonged bull market.

Newsletter-post-image-q3-14

Quarterly Investment Newsletter

Posted by | Investments | No Comments

A slightly different slant on investing, lest we all forget!
We all tend to focus on how our savings are doing whether they are in a bank account or direct equity, property etc. What we do forget is investing in ourselves?
So you’re a happy couple, family doing well for yourselves, good income stream, pension planning coming on well, mortgage rapidly dropping (in this low rate environment) and cash in the bank.
What have we forgotten?

You and your spouse the most valuable assets you possess!
Most of us recognise the importance of taking out insurance to cover valuable possessions such as their homes and cars, even pets. Less of us have the protection in place to cover ourselves and families should something prevent us from working.
This is how all of a sudden all the hard work mentioned above goes to pot and instead of retiring comfortably your situation alters greatly to one of worry.
How many of you have thought about how valuable you are to your children, and spouses and what would happen, if you fell seriously ill or pass away?
According to the latest figures from the Office of National Statistics*, less than 20% of British men and 10% of British women die before their 60th birthdays. However, millions of Britons under the age of 60 are diagnosed with critical illnesses every year.
Whilst, unfortunately most major life events can’t be foreseen, they can be planned for; we explain some of the different types of cover available that could help support you or your family in times of crisis.

Download our newsletter to read more