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It may have occurred to you just how complex and vital ‘getting it right’ is when it comes to saving, investing, maximizing the value of your wealth and planning for a safe, comfortable retirement. If so, you’ve probably asked yourself if you should employ a financial planner or advisor. Similarly, if you’ve felt the pressure of deciding on a big investment, such as a home or education—or felt overwhelmed with the financial details after a wedding, the birth of a child, divorce, death of a spouse, or major illness—you’ve probably wondered about finding someone to advise you.
Gold retains its value not only in times of financial uncertainty, but in times of geopolitical uncertainty. It is often called the “crisis commodity,” because people flee to its relative safety when world tensions rise; during such times, it often outperforms other investments. For example, gold prices experienced some major price movements this year in response to the crisis occurring in the European Union. Its price often rises the most when confidence in governments is low.
Many students work part-time or during the summer months, and others will be on placements or paid internships. More often than not, if you are a student working during the year, you will be overpaying income tax. Why? Simply because few students reach the personal tax-free income allowance each year but are put on an emergency basic tax-code by their employers meaning tax is being paid when it shouldn’t be.
That said, gold trounced the S&P 500 in the 10-year period from November 2002 to October 2012, with a total price appreciation of 441.5%, or 18.4% annually. The S&P 500, on the other hand, appreciated by 58% over this period. The point here is that gold is not always a good investment. The best time to invest in almost any asset is when there is negative sentiment and the asset is inexpensive, providing substantial upside potential when it returns to favor, as indicated above.
The next phase of value outperformance is likely to have greater leadership from non-U.S. markets. Europe, for example, has had less yield curve steepening than the United States. This has held back the performance of its financial stocks relative to the U.S. We expect the vaccine rollout in Europe plus the lifting of lockdowns in the second half of the year will put upward pressure on European bond yields and give the value factor a further boost.
Is it really necessary to check your investment accounts from your phone? Investing apps tend to vacuum up your free time and don’t really provide much in return, other than a temptation to trade. Obsessively checking your accounts is a futile exercise, and by only accessing your investments from a computer, you save time and improve account security. Granted, there is a level of convenience associated with apps, but it may come at the expense of your overall time and attention. If you don’t want to delete the apps, try to move them to a part of your phone that’s less visible. Find more information at https://travelquicks.com/.