There are many charts which show how ‘missing the 5/10/15 best days’ over the course of a number of years can affect the returns on your investments. When stock markets move, they move both quickly and unpredictably, as investors/sheep try to get on or off the bandwagon. That’s why most of those who try to be clever and ‘time the market’ end up losing out and the very few who get it right (like the Big Short guy) gain guru status for a while, until they get it wrong (remember Neil Woodford?) My advice, stay invested, and it will be alright in the end. And if it’s not alright, it’s not the end yet…
“Why most won’t need to worry about IHT on pensions”
Many a government has made the point that only a minority will be affected by this or that tax change or tinker. It is, however, both perception and aspiration which are important, and they are what makes IHT the ‘most hated’ of all taxes – along with all the others, of course.
