Why invest in bonds instead of stocks?

Let me start by saying that stocks and bonds are not mutually exclusive. Indeed, a smart investor keeps a balanced and diverse portfolio that reflects their age, attitude to risk and personal set of circumstances. That said, as we go into 2020, if your portfolio is sitting heavy in equity investments you may wish to look at redistributing some of that towards bonds. Now, let me explain why…

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Help to Buy Scheme Pros and Cons

The Help to Buy Equity Loan scheme has been available since 2013 and yet many people are still unfamiliar with it. In short, it is a loan from the government worth up to 20% of the property’s value (up to £600,000) to help people get on, or move up the ladder.

My girlfriend and I completed on the purchase of a property using the HTB scheme in March 2020 so I have first-hand experience of the application process and living in a new-build home. What follows is a summary of the extensive research I conducted prior to deciding to purchase a property using Help to Buy. I will start with some FAQs about the scheme…

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