Monthly Archives: October 2016

Property Investment

planning for retirement

Knowing the Risk, Planning & Knowledge

Fear of Risk

Everybody has a personal risk tolerance profile; some of us are quite comfortable with perceived risk while others are highly risk-adverse.

There are six main fears when buying a property:

  • Overcapitalisation – that is paying too much, being ripped off…there are so many stigmas associated with estate agents and concern around agents ripping off undiscerning buyers.
  • Buying a lemon – everyone fears their property underperforming in terms of capital growth when benchmarked against others in a similar area.
  • Troublesome tenants – who either trash the property or don’t pay their rent.
  • Vacancy problems – a common fear is having a property that’s hard to let with low or no tenant demand.
  • Lifestyle sacrifices –  if the property ends up costing more than initially expected resulting in extreme negative cash flow.
  • Market crash – they fear a ‘bubble’ or downturn will strike as soon as they’ve purchased, creating a negative equity position.

All are legitimate fears but there are actions that can address every single one.

Income Protection

Income protection

7 Common misconceptions you may have around Income Protection

It’s a frequent misunderstanding that employers don’t think Income Protection is important. They do, they just don’t know enough about it, it is the one protection policy every working adult in the UK should consider.