Insights

We all want our children to have the best possible start in life. But how best to achieve it? Investing offers the potential for strong returns, especially if you start early. This guide considers the options, highlighting the importance of assessing your objectives, making an investment plan and suggests the top tips for investing for maximum tax-efficiency.

If you want your investment portfolio to strike a good balance between risk and return, it’s worth knowing how correlation can impact your investments. Investing in highly correlated assets can increase your losses, because when one investment falls in value (except for a reason peculiar to it), the others may well do likewise. Diversification is key: owning a variety of investments that move differently can help limit risk and protect your overall portfolio's value. Many large funds, especially those heavily invested in tech stocks, may be more correlated than you think.