Given the nature of the average self investor I assume your 25% Property investment is met by the ownership of your principal residence. Thus Property investment is not the subject of this website. Instead this section looks at specific recommendations for your Fixed Income and Equity investments as below. Fixed Income & Cash investments
Since the Financial Crisis hit returns from the banks from traditional saving account and fixed income products have quite literally collapsed. This has arisen from the banks being unwilling to make new loans so they can repair their balance sheets & profits and the Central Banks engaging in direct lending to the banking industry at near zero interest rates (Quantitative Easing & Funding for Lending Policy at the Bank of England). Effectively the Banks are restricting demand for borrowing and the Central Bank is supplying cash to more than meet that reduced demand. The result is low rates of return on bank savings accounts.
However there are ways to produce better lower risk returns from cash and fixed income investments and I provide details in this section.
Shares have had a mixed response and rate of investor return since the beginning of the Financial Crisis. This reflects the fact that equity investments tend to over shoot in reaction to market events (as we have discussed in the Investment Overview). Since 2012 equity investments have generally stabilised and are now advancing.
In this section I provide details of specific equity investment recommendations and price entry and exit targets.