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Shares are looking a good value bet

Amid all the doom and gloom and talk of recession, there's better news on the horizon for those whose jobs are secure and who have spare income or capital. And shares are starting to look a good bet, advises Simon Dickerson of Pulse Financial Consultants

Amid all the doom and gloom and talk of recession, there's better news on the horizon for those whose jobs are secure and who have spare income or capital. And shares are starting to look a good bet, advises Simon Dickerson of Pulse Financial Consultants

Finally a week when it doesn't seem to be all doom and gloom in the press. Admittedly it seems likely the economy has entered a recession; however there is some better news on the horizon.

The Bank of England base rate is beginning to filter through to those with discounted mortgages, freeing up income. With more cuts almost certain to follow over the coming months this is not a time to opt for a fixed rate mortgage, unless a fixed monthly repayment is an absolute necessity.

With petrol, heating and food bills also falling, inflation looks set to fall with many people having more disposable income. Recession is a worrying time for many with concerns over job security and day to day living, however for those with spare income or capital it is a time of opportunity.

The basic principle of any investment is to buy it when it is cheap and sell it when it is expensive, although we only know in hindsight when the market was at the bottom.

The stock market is beginning to look decidedly on the cheap side. This doesn't mean that we expect there to be an instant return to the good times and double digit investment returns, however we expect carefully chosen funds in some of the more defensive sectors to begin to show positive returns.

Now may well be a time to move money out of cash and invest into the markets. For those already with ISAs, pension funds and other investments we expect this to be the beginning of the climb back in value.

There was more good news this week with the government finally deciding to honour the pension deal struck on the GMS contract, backdating the dynamisation factors on GP's pensions, thus making a significant difference to pension earnings, especially for those at, or close to, retirement.

Hopefully this is the start of an extended period of better news concerning investments and pensions as we lead up to winter.

Simon Dickerson of Pulse Financial Consultants Simon Dickerson of Pulse Financial Consultants Further information




Pulse Financial Consultants can be contacted by clicking the image above or by email at enquiries@pulsefinancialconsultants.com

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