Investing

After a torrid year for government bonds in 2022, there’s been more positive signs from the asset class so far this year. We explain what’s changed, and why the Nutmeg investment team is no longer underweight the asset class versus our risk benchmarks.  

Have you looked at your portfolio and wondered what ‘bonds’ are? This article will tell you everything you need to know to better understand this asset class – and the shape of your returns.  

In today’s environment of rising inflation and interest rates, which might be the best option for you – a stocks and shares ISA, a cash ISA, a savings account, or all three?  

Diversification – investing across a range of different asset classes, regions, sectors, and styles – is the bedrock of multi-asset investing. It helps you to spread risk and can improve your chances of higher returns. The popularity and performance of different asset classes will always ebb and flow, but diversification is timeless. Let’s remind ourselves of this core principle of portfolio construction.   

Are you one of the many who rush to invest in an ISA before the April 5th deadline? Or are you more of an early bird investor, taking advantage of the start of a new tax year? The latter approach could help you maximise any returns you make, particularly with the £20,000 ISA allowance for the 2023/24 tax year. 

In this month’s investor update, head of portfolio management Pacome Breton, answers questions on the health of the banking sector, why central banks are torn on future policy, and the performance and positioning of Nutmeg portfolios.  

Getting your finances in order can feel like a daunting task, particularly when tax rules are changing. But, as the saying goes, a problem shared is a problem halved. Our qualified financial advisers always take tax considerations into account when making their recommendations to help you make sure you’re on track for the future you want.  

Fresh into the 2023/24 tax year which began today, 6th April, there’s several rule changes – both in terms of allowances and taxation rates – that investors need take note of. Here’s our summary.  

Despite recent challenges, we think the long-term outlook for socially responsible investing (SRI) remains robust.  

Our guide to the Lifetime ISA gives you the basics on tax-efficient investing that could help you purchase your first home, give your retirement a boost – or both. 

Markets are going through another volatile period, and your investments may well have fallen in value recently. However, if you are investing with a long-term horizon of at least three years, could now be the right time to put more of your money to work?

Whether it’s a little bit of money in a birthday card or something more substantial, grandparents often want to help with their grandchildren’s financial futures. Our guide weighs up the differences between traditional ISAs and Junior ISAs, so grandparents can decide which may better suit their grandchild’s needs.