Now the year is well underway, it’s worth having a look at what the smart money is predicting for stockmarket performance in 2015
Stockmarket Experts Are Convinced They Know What’ll Happen In 2015
Is The Stockmarket Good News Or Bad News?
Here’s a tiny selection of articles from the online press predicting the future for the stockmarket in 2015.
Why The Next Stockmarket Crash Will Happen Any Day Now
There is overwhelming evidence that the next stockmarket crash could strike any day now, and a growing number of investors are turning to a noted economist to prepare for the “unthinkable” ...
Money News on the Stockmarket 2015
FTSE Will Reach New Record In 2015, Predict City Experts
Strategists still optimistic despite being caught out by 2014’s stockmarket fall ...
Guardian on the Stockmarket 2015
Ten Warning Signs Of A Stockmarket Crash In 2015
Stockmarkets opened lower on the first day of trading of 2015, and the credit markets that forewarned the 2007 crash are showing signs of strain ...
Telegraph on the Stockmarket 2015
Predictions: The FTSE 100 Faded In 2014 But What Will It Do In 2015?
Pundits’ expectations of a record high for the FTSE 100 in 2014 faded in the autumn gloom ...
Independent on the Stockmarket 2015
How To Make Money Despite The FTSE's 15-Year Losing Streak
Investors have had a nervous time over the last 15 years ...
BBC on the Stockmarket 2015
Bankers Predict A Record 7,700 For The Footsie In 2015
But after they were so badly wrong last year, do we trust them? ...
This Is Money on the Stockmarket 2015
These are just a few of the many optimistic, neutral and pessimistic articles on how the stockmarket might do in 2015. Some of those you’ll read online are written by the cleverest financial experts in the UK. Yet many of their opinions are contradictory: for every convincing positive, you’ll find a compelling negative.
What it suggests is that no-one can give you a straight answer to future stockmarket performance upon which you can rely. Whether you’ll make money on the stockmarket in 2015 is very much in the lap of the gods. If you’re lucky, you’ll do well. And if you’re not lucky, you won’t.
Who’d have thought luck would play such a large part in your financial future? No wonder it often feels that investing on the stockmarket is not that far removed from gambling in one form or another!
It’s No Surprise That People Are Deserting The Stockmarket
Investors Flee UK Equities At Fastest Rate Since 2006
After piling billions into the stockmarket last autumn, retail investors pulled out of equities at a speed not seen since 2006, according to the latest Private Investor Watch from Capita Asset Services.
Fed up with stockmarket volatility and unpredictability, this research is hardly a revelation.
It’s no wonder that SIPP holders are increasingly choosing to lend their pension money instead of gambling it in stockmarket assets. Lending is profitable, as we know from the substantial profits made by banks, building societies and credit card companies.
For some time, high interest loan notes and corporate bonds, backed with property security, paying interest rates of 10 per cent or more, have been growing in popularity among SIPP holders. Some of the most attractive are featured in the SIPPclub Invest area.
In recent years, more than a billion pounds has been lent to businesses via peer-to-peer platforms, with SIPP loans becoming a regular feature now in parts of the market.
“You Pays Your Money And You Takes Your Choice”
When it comes to SIPPs, you really can be in control. You could invest all of your money in stockmarket assets. Or you could you lend it all in return for a predictable interest rate. In each case, you can diversify your holdings as much as you like, and across a variety of sectors, to spread your risk.
Just like the stockmarket, lending isn't risk free, for inevitably some loans will go into default. Though you could reduce your risk of losing money by taking charges on property and other assets.
If you don’t feel strongly enough about either the stockmarket or lending, or like many experts and the vast majority of the rest of us, you simply haven’t a clue as to whether the stockmarket can deliver returns that could be achieved through lending, you could hedge your bets and put a bit of your SIPP money in each area.
Providing, of course, you have a full SIPP that’ll allow you flexibility to do what you want to do with your money.
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AJ Bell Is Often The Best Value SIPP For Stockmarket Assets
Over time, charges can wipe out a huge part of your fund. We like AJ Bell because there are no set-up costs. If you hold passive funds, which is our preference, or shares, investment trusts, EFTs, gilts or bonds, you pay one small fixed fee no matter how large your fund. And when you come to draw your benefits either as occasional drawdown or UFPLS payments, there's a small charge for the whole year no matter how many times you access your money (many SIPP and SSAS providers charge more than this for each payment). However, you should always compare charges in detail, because AJ Bell could be more expensive than other providers, depending on the type of stockmarket assets you hold.
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As SIPPclub neither advises on, nor arranges, nor recommends specific investments or strategies, we're unable to say whether a SIPP or SSAS or any investment within it is right for you. Ultimately, it’s your money and your decision, and you should only proceed once you're satisfied you've undertaken sufficient due diligence. If you need advice, you should speak to your trusted adviser, or you could find a local adviser from Unbiased.co.uk. Alternatively, we'd be pleased to introduce to a suitably qualified independent financial adviser.
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