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HWRK Magazine: Issue 03 - Spring 2018

HWRK Magazine

INVESTING in association

INVESTING in association with It’s a marathon, not a sprint Make your first job of 2018 improving your school’s mission statement w hen it comes to investing your hard-earned money in the stock markets there is never a right or wrong tie to start, the key is to only do it when you can invest in the long-term to ensure maximum results. Keeping your exposure to equities when markets fall is a more profitable approach than looking to time the market for a swift return. Riding out the peaks and troughs over many years is more likely to provide higher returns overall, analysis shows. “We’ve looked at data that shows someone investing £10,000 in the UK stock market in 1997 would have seen their investment more than treble to £32,000 in 2017 if they left it untouched over that time,” says Martin Lawrence, Investment Manager at Wesleyan. “This 20-year period encompasses the dotcom crash in 2000, the 2003 recession and the 2007/08 credit crunch, so it would have been tempting at many points to divert money into a safer home with a plan to re-invest at a later date. “Had that happened the investor would have found themselves in a less profitable position as it is likely they would have missed out on the ‘best days’ in the market. These best days occur typically when the market is recovering from a nasty drop.” Analysis shows missing out on just five of the best days in the UK stock market would have seen that £10,000 investment grow to just £22,000. While missing out on the 10 best days and the investment would be down to £17,000, meaning the investor would be £15,000 worse off than if they kept their money invested over the full period. If you need access to your cash within the next few years and don’t have the luxury of a long-term horizon, now may not be the best time to invest. But if you are in a position to make your savings work for you, the risk vs. reward here may be worth examining. Lawrence adds: “For anyone wanting access to equity markets but uncomfortable with weathering the roller coaster ride of the markets, with profits products may be a good alternative. “This is a type of investment fund that spreads capital across a number of asset classes, with the aim of softening sharp rises and falls by smoothing returns. It aims to provide a bonus that increases with the value of the fund over time.” As ever, each financial situation is unique and there’s no one-size-fits-all approach. Your financial situation and the length of time you are looking to invest for are crucial. If you are in a position to leave your money invested for the long-term then history shows that equity markets will over time provide better returns than cash or bonds. And with interest rates at record lows and inflation on the increase, leaving money in cash could see the value of your investment diminish in real terms. If in doubt, speak to a financial consultant who can give you specialist advice on how to manage your money. Wesleyan provides specialist financial advice and solutions to professionals including teachers and can provide guidance on reviewing your finances. Visit wesleyan.co.uk for more info. 62 // HWRK MAGAZINE // Spring 2018 hwrkmagazine @hwrk_magazine

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