How to invest 30K. Five ideas from a financial planner

Have you recently received a windfall, such as an inheritance, and are wondering what to do with it? Perhaps you wonder how you might invest a lump sum if you ever received one. In this article, our financial planners offer some ideas about how someone could invest £30,000 in 2024. We hope these insights are useful.

What to look for in an investment portfolio service

For British expats serious about building wealth over the long term, they need to look beyond cash. Although cash can be helpful to achieve certain financial goals (e.g. an emergency fund), the interest rates (even from fixed-rate deals) often do not keep up with inflation – eroding real returns over time.

Do I need bond funds in my pension?

As an individual nears retirement, it is common to start thinking about “de-risking” their pension(s). In simple terms, this involves moving investments away from volatile ones – e.g. shares which can fluctuate rapidly in price – towards less volatile ones. Bonds are commonly held up as an ideal asset class to move assets into (to achieve de-risking). Yet what are bonds exactly? In particular, how do “bond funds” work and where should they sit within a pension?

Ethical investing: a short guide

Lots of people are attracted to the idea of “ethical investing”. Yet what is it exactly? How do you get started with building an ethical portfolio? The subject can seem more overwhelming to British expats living in Spain, since it may be less clear what your options are regarding investment opportunities and platforms (compared to a UK resident).

Diversification: why it matters to investors

Diversification may sound like a complex word. Yet, at its heart, it is talking about “spreading out your risk” when choosing investments. It is a vital principle to building and growing a portfolio over time. Below, our Murcia financial advisers here at Scottsdale explain how diversification works, why it matters to investors and how expats can apply the principles to their portfolios.

Should I invest in Britain, Spain or globally?

One of the benefits of being a UK expat is that you often intuitively grasp that there is a world “beyond Britain”. Opportunities in culture, food, relationships and travel exist outside our own shores. Yet does the same hold true for investing? Should you invest mainly in the UK as a British expat, or overseas?

How to start investing as a UK expat

Living abroad can present a unique opportunity to start investing – especially if your income is high and your living costs are low compared to the UK (e.g. Italy, Greece and Spain). However, how do you start investing as a British expat?