The 4% rule

The 4% rule is a retirement income rule. The theory goes that if you take no more than 4% of your portfolio as income then it will last at least 30 years. […]

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The 8 to 18 fund rule

This is the manageable number of funds in your portfolio. If the number of funds is greater than 18 then it can get difficult for an investor to keep track of what’s going on — professional portfolio managers tend to run at about 50 fund holdings but are on the case 24/7 and have a supporting team. Another problem in holding too many funds is that overlap can occur. […]

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Savings v Investments

For many people, the difference between saving and investing is the difference between putting regular amounts of money aside each month and having to deal with a large capital sum. But for professional financial advisers, it also relates to the type of investments you choose for your money. […]

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