Are you really a provider?

05 August, 2013 Are you really a provider? Dear Buzzhairs, If you are over 35 years of age and you have money invested in the UK stock market – you need to read this now. Because there is a potentially devastating problem brewing. One that could seriously damage the plans you have for your future. It will affect everyone differently. But I can say with total confidence, if you fail to prepare for it – your way of life will almost certainly decline. You'll lose sleep over it. It will dog you for years. And you will worry whether or not you have lived up to your role as breadwinner for your family. It doesn't matter if you have £1,000 in the bank – or £100,000 – you need to consider your response to this problem, quickly. For anyone who is responsible for their family's financial good health, please do not take this lightly. Instead, spare the time to find out what's going on. There are no magic answers here and I cannot guarantee you will escape this problem entirely. But respond to this threat today – and you have the chance to come out better than most people. It could save you a lot of heartache down the line. Here's the full story. Many thanks, Toby Bray Publisher Before investing you should consider carefully the risks involved, including those described below. If you have any doubt as to suitability or taxation implications, seek independent financial advice. General – Your capital is at risk when you invest in shares, never risk more than you can afford to lose. Past performance and forecasts are not reliable indicators of future results. There is no guarantee dividends will be paid. Bid/offer spreads, commissions, fees and other charges can reduce returns from investments. The FCA does not regulate certain activities, this includes the buying and selling of commodities such as gold. Overseas shares - Some recommendations may be denominated in a currency other than sterling. The return from these may increase or decrease as a result of currency fluctuations. Any dividends will be taxed at source in the country of issue. Funds – Fund performance relies on the performance of the underlying investments and there is counterparty default risk which could result in a loss not represented by the underlying investment. Bonds – Investing in bonds carries interest rate risk. A bondholder has committed to receiving a fixed rate of return for a fixed period. If the market interest rate rises from the date of the bond's purchase, the bond's price will fall. There is also bond issuer default risk. Taxation – Profits from share dealing are a form of income and subject to taxation. Tax treatment depends on individual circumstances and may be subject to change in the future. Editor: Phillip Oakley. Information and opinions expressed do not necessarily reflect the views of other editors/contributors of Fleet Street Publications Limited. Full details of our complaints procedure and terms and conditions can be found at www.moneyweek.com Lifetime Wealth is issued by Fleet Street Publications Ltd. Registered office 8th Floor, Friars Bridge Court, 41-45 Blackfriars Road, London SE1 8NZ. Registered in England Company No 1937374. VAT No GB629 7287 94. Fleet Street Publications Ltd is authorised and regulated by the Financial Conduct Authority. FCA No 115234. http://www.fsa.gov.uk/register/home.do. © 2013 Fleet Street Publications Limited. All rights reserved. Important Information Information in The Right Side is for general information only and is not intended to be relied upon by individual readers in making (or not making) specific investment decisions. Appropriate independent financial advice should be obtained before making any such decision. Your capital is at risk when you invest in shares - you can lose some or all of your money, so never risk more than you can afford to lose. 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