The financial times guide to wealth management : how to plan, invest and protect your financial assets

The financial times guide to wealth management how to plan, invest and protect your financial assets

The Financial Times Guide to Wealth Management is your comprehensive guide to achieving financial security and stability by planning, preserving and enhancing your wealth. As well as being fully updated throughout, it includes five new chapters on socially responsible and impact investing; property,...

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Detalles Bibliográficos
Otros Autores: Butler, Jason (Financial planner), author (author)
Formato: Libro electrónico
Idioma:Inglés
Publicado: Harlow, England ; New York, United States : Pearson [2015]
Edición:Second edition
Colección:Financial times (London, England)
Materias:
Investments.
Finance, Personal.
Ver en Biblioteca Universitat Ramon Llull:https://discovery.url.edu/permalink/34CSUC_URL/1im36ta/alma991009628624706719
Tabla de Contenidos:
  • Intro
  • Contents
  • About the Author
  • Acknowledgements
  • Publisher's Acknowledgements
  • Introduction
  • Part 1: Wealth Planning
  • 1 Know where you are going and why
  • Money values
  • Life planning can give deeper meaning to goals and dreams
  • The three difficult questions
  • Financial planning policies
  • Don't mention the 'r' word
  • 2 Financial personality and behaviour
  • Financial risk profile
  • Emotions and money
  • Money styles
  • Emotional intelligence
  • 3 The power of a plan
  • Where you want to go
  • Convert pension funds to a simple level annuity
  • Short- and long-term cashflow projections
  • Possibility and probability
  • The role of liquidity
  • Identifying and understanding financial planning risks
  • Investment strategy
  • The future is always uncertain
  • 4 The role of guidance and advice
  • The media is not your friend
  • The financial services marketing machine
  • Average investors and markets
  • Experience and professional qualifications
  • The expert network
  • planning and advice fees and value
  • Adviser checklist
  • Part 2: Wealth Preservation
  • 5 Investment principles
  • Speculating is not investing
  • Capitalism and markets do work
  • Risk and return are linked
  • Equity risk
  • Expected profitability
  • Bond maturity and default premium
  • Focus on the mix of assets
  • Measuring investment risk
  • what's right for me?
  • 6 The investment building blocks
  • Fixed interest investments
  • Global short-dated bonds (currency hedged)
  • Intermediate dated index-linked gilts
  • Conventional long-dated gilts
  • National savings certificates
  • Index/lIBor-linked high-quality corporate bonds
  • Permanent interest-bearing shares (pIBs)
  • High-yield bonds, lower credit quality bonds, convertible preference shares, convertible bonds, emerging market bonds
  • Equities
  • Collateralised commodities futures index funds.
  • Global commercial property - real estate investment trusts (reITs)
  • 7 Socially responsible and impact investing
  • Thematic or trend investing
  • Externalities
  • Sustainability
  • Social impact investment
  • SRI in context
  • 8 Alternative investments
  • Gold
  • Hedge funds/funds of hedge funds (FoHFs)
  • Structured products
  • Private equity
  • Life settlement funds
  • Zeros
  • Convertible bonds
  • Art and wine
  • Wise words with which to leave you
  • 9 Property and land
  • Residential rental property
  • The impact of borrowing on returns
  • Working out the net yield
  • Thinking like an investor
  • The role of residential property
  • Agricultural property, farmland and woodlands
  • 10 Active or passive?
  • Active investment management
  • Passive investment management
  • Core and satellite investing
  • The efficient market hypothesis
  • The folly of market timing
  • Bulls and bears
  • Do managers beat markets?
  • The passive detractors
  • Strategic valuation measures
  • Making a choice
  • 11 Options for investing
  • Unit trusts, oeIcs and sIcAvs
  • Exchange-traded funds (eTFs)
  • Investment trust companies
  • Passive management approaches
  • Is the index an appropriate representation of the market?
  • What are the full costs?
  • Other types of investment funds
  • 12 Other investment considerations
  • The impact of dividends on overall investment returns
  • The impact of regular withdrawals from your portfolio
  • Interesting thoughts on asset allocation - the upward sloping equity glide path
  • Principles to guide you
  • The importance of rebalancing your portfolio
  • The mechanics of rebalancing
  • The use of debt with investing
  • Inflation and deflation
  • Leverage amplifies gains and losses
  • Later life needs
  • 13 The role of insurance
  • Insuring property and possessions
  • Insuring against ill health
  • Insuring against loss of income.
  • Insuring against liabilities arising on death
  • Insuring against living too long
  • Insuring for inheritance tax (IHT)
  • Part: 3 Wealth Enhancement
  • 14 General tax planning
  • The main personal taxes
  • Your tax risk profile
  • Attacking aggressive tax planning
  • Tax planning principles
  • Practical ways of saving tax
  • The need for professional advice
  • 15 Single-premium investment bonds
  • Tax deferral
  • A warning on adviser charges
  • Dividend income
  • Bespoke investments
  • 16 Minimising portfolio taxation
  • Claiming losses
  • Capital gains - the 30-day rule
  • The individual savings account (IsA) allowance
  • The four main non-pension investment tax wrappers
  • 17 State and private pensions
  • Basic state pension
  • Additional state pension
  • Single-tier state pension
  • Private pensions
  • Auto enrolment
  • The contribution limits
  • Qualified non-UK pension scheme (QnUps)
  • 18 Managing your pension portfolio
  • Cashflow needs
  • Life expectancy and dependants
  • Income and capital gains tax
  • Pension lifetime allowance
  • Impact of the lTA tax charge
  • Protection against the lTA tax charge
  • lTA tax charge mitigation strategies
  • Investment strategy
  • Estate planning
  • Annuities
  • Phased retirement or staggered vesting
  • Pension drawdown
  • Self-invested personal pensions (sIpps)
  • Small self-administered scheme (ssAs)
  • Qualifying recognised overseas pension schemes (Qrops)
  • Part 4: Wealth Transfer and Succession
  • 19 Later life planning
  • Power of attorney
  • Making wills in old age
  • Long-term care fees
  • Life assurance bonds
  • Immediate care fees annuity
  • The reality of care fees funding
  • 20 Wealth succession
  • Inheritance tax (IHT)
  • Estate planning basics
  • Deed of variation
  • Life and pension policies
  • Digital and virtual assets
  • Normal expenditure out of surplus income exemption.
  • Using life insurance
  • Getting a bit more creative
  • 21 Using trusts
  • The two main types of trusts
  • Borrowing to buy exempt assets
  • Taxation of non-bare trust investments
  • Practical uses of trusts
  • 22 Non-trust structures
  • Family investment companies
  • Family limited partnerships
  • Inheritance tax portfolio services
  • The discounted value arrangement
  • The A&M plan
  • 23 Young people and money
  • Money values and beliefs
  • Passion and purpose
  • Human capital
  • Higher education funding
  • Learning about business
  • The rule of 72
  • Borrowing
  • Principles and practices
  • 24 Philanthropy
  • Giving time
  • Giving money
  • Reasons for giving
  • Gift Aid
  • Gift Aid and chargeable events on insurance bonds
  • Non-cash gifts to charities
  • Charitable legacy IHT reduction
  • Ways to give
  • 25 No regrets
  • Are you inspired by your life?
  • The power of knowing your 'why'
  • Happiness is not the same as pleasure
  • Financial happiness
  • Who do you have around you?
  • Just do it!
  • A thought to leave you with
  • Useful websites and further reading
  • Index.

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