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Highway code: investment strategies

Malcolm Smith plots the best route to a successful investment strategy

16 July 2012

Planning your financial life is much the same as planning a journey. Where are you starting from, where do you want to go and how will you get there? If you then add into the mix any potential problems that might arise you are more likely to reach your destination.

Ongoing process

Your financial life is not a series of separate transactions. It is a part of everything you do and you need to make informed decisions about your money.

There are many facets to life, and they change. Today’s decisions might need amending tomorrow. Most people would like a picture of what the financial future might hold, to know their money will last and to be able to pass assets on in a way that is satisfying and tax efficient.

People should not take investment risks they simply don’t need or to pay more tax than they need.

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