Richard Gordon's personal blog

Serious discussion about your financial position now - and in the future.

Security Of What – Capital Or Income?

Security is something keenly sought by investors, and is particularly important to people at or near retirement.

However, our whole approach to security is being challenged by the current climate of low interest rates, where there are trillions of dollars invested in bonds world-wide, that are earning negative returns.

Closer to home, term deposits attract around 3%pa, while a diversified portfolio of shares can show around 6% to 8% after allowing for tax credits. Investments can be made directly, or via managed funds deliberately managed to harvest a stream of dividends.

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