What's Up in finance?

Archive: November, 2017

What is evidence-based investing?

Simply stated, to achieve the best outcome for you, evidence-based (passive) investing makes use of the best available evidence when designing and implementing your investment portfolio. Evidence-based investing aims to capture the returns of the market through a low-cost, long-term investment strategy based on the following principles: Establish your tolerance for risk and do not […]

What are the benefits of evidence-based investing?

It has been proved time and again that traditional means of investing (active investment management) do not outperform the benchmarks, even over long periods. Furthermore, financial companies tend to design and sell high-priced products and these higher fees negatively impact on a portfolio’s performance. Add to this a reliance on past performance (when choosing a […]

Why use exchange-traded funds?

Exchange-traded funds (ETFs) aim to match the performance of a benchmark index. This strategy requires less frequent turnover of holdings within the fund which means fund fees tend to be significantly lower than actively managed funds. When low-cost funds post solid performance, investors keep more of what they earn. ETFs tend to be more tax-efficient […]

Is there a minimum deposit or balance?

No. We believe that everyone should have the means at their disposal to save for their future regardless of the size of their wealth, therefore we have no minimum account size. However, our investments are most suitable to those with at least 10,000 (£/$/€) to invest, as balances below this level may limit our ability […]

Am I locked in to my investment?

No. Life doesn’t always go the way we plan it, and sudden, unexpected events may mean you need to access your money sooner than you had intended. For this reason, we prefer to use investments that allow you to withdraw your money whenever you like, without penalty, cost or delay.

Can you help me with my existing investments?

If your investments have performed poorly, or you have received poor investment advice from an adviser that has long since disappeared, we can help. We will be happy to take care of the necessary arrangements for you at no additional cost.

Why should I hire Upstream instead of doing this myself?

History has repeatedly shown us that it is near impossible to consistently beat the market over time. If you believe you can beat the market, and confident you can pick tomorrow’s best performing funds, then we’re probably not going to be a good fit for each other. The average investor is terrible at investing. In […]

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