Best Money Decisions I

Optimising the Portfolio and Pensions

There are three simple ways to improve the return on our investments. The first way is to reduce charges, and this is effective because as the UK's financial regulator says, "past performance is no guide to future performance", or to put it another way:- "it's unreasonable to assume you can choose a fund/asset manager who is going to out-perform the market". Since we are all most likely to get the average performance of the markets we invest in, it makes sense to reduce the charges we pay to do that because we give up nothing and keep more.
The second way to improve performance is to invest where the growth is happening in the world - and those areas are no longer the share markets that everybody used to think were the best places to invest. It has already changed, and you may think after reading this book that you need to change too if you're going to catch the future growth in some world markets.
The third way to improve performance is to reduce tax, and there are several ways to achieve that which the book covers both from the perspective of a UK taxpayer and from a global investor's viewpoint.
You can download an ePub version of this book now, after payment, updated to March 2012.