Managing risk and reward in your alternative investment portfolio

Despite the growth in interest and the market as a whole, some investors are still wary about putting their money behind an alternative investment, no matter how attractive the proposition may be.

Perhaps it’s the word ‘alternative’ that puts people off. The truth is though that any and every investment opportunity carries some degree of risk, whether alternative or more mainstream. People who make the right moves and thoroughly research a diverse alternative investment portfolio are far more likely to profit than somebody who blindly invests in mainstream stocks, for instance.

The alternative investment market (AIM) is worth £95 billion today with the AIM all-share index out-performing the FTSE 100 and 250 in 2017 alone. UK AIM companies have also created 430,000 jobs and contribute £15 billion to the UK’s GDP.

The market continues to grow at an astonishing rate too, attracting investors from all backgrounds as they look to capitalise on the opportunities that alternatives could provide them. Those who identify the right opportunities and do their research can also build a unique, bespoke alternative investment portfolio that supports their lifestyle, improves their finances and opens them up to new ventures.

The earlier that people consider the alternative investment scene too, the more time and opportunity they have to dabble in and discover new ways to grow their savings, whether it be through a fixed term solution or other financial opening.

The High Street Group Construction

Managing risk potential with the right alternative investment strategy

With interest rates so low for the best part of a decade, it’s been a tough time for savers in the UK who want to grow their cash. The recent rate rise by the Bank of England to 0.5% has been welcomed by some, but for many others it’s still not enough, especially with inflation still relatively high in contrast.

Alternatives could help to fill the gap. Consider saving for a child’s future; putting some money aside regularly in their younger years can be a fantastic way to pay for university fees years down the line, help them buy their first home and even work towards their pension.

Again though, by doing some research and playing the investment game properly (as it where), that nest egg could grow larger by considering some of the opportunities alternatives can provide. That naturally gives a larger window for the future to greater assess markets and the risk they hold, while putting some of that extra capital into entirely new ventures.

At the end of October, a report from the Financial Conduct Authority (FCA) suggested that the mean amount of cash savings held by 25 to 34-year-olds is £11,000. At the same time the report says that one in five (19%) of 25 to 34-year-olds have no cash savings at all while 30% have cash savings of less than £1,000.

That leaves them with very little room to manoeuvre financially when they’re looking to grow their savings – certainly, it means there is less appetite to experiment. The earlier people start perusing the alternatives market, the greater their chance of building a diverse investment portfolio that better allows them to manage their risk and reward potential.

FJP Investments is dedicated to working with investors looking to explore the alternative investment market, helping them to research, identify opportunities and build a bespoke financial portfolio that works for them. To learn more about alternative property investments, get in touch today.


How can an alternative investment partner benefit female investors?

Financial institutions across the United Kingdom are doing a poor job at connecting with female investors at every stage of the buying journey, according to new research. Not only are those institutions losing out on the income female investors could bring them, it also means that women are missing out on a wealth of potential bespoke alternative investment opportunities.

According to the Kantar Winning Over Women report, financial services organisations are missing out on approximately £130 billion by failing to connect with women through advertising and other channels. By poorly communicating aspects such as ‘trustworthiness’ and ‘dependability’ to women, they’re ultimately seeing lower deposits from that demographic.

The larger knock-on effect though is that, because of that perceived lack of trust in financial institutions, women are missing out on growing their future savings. Aligning with the right alternative investment partner though could help them to discover new financial opportunities that work for them.

All Saints Living project from The High Street Group

How women can improve their finances with an alternative investment partner

The feeling that women are missing out on potential bespoke investment opportunities is exacerbated by research that only 15% of alternative investment teams are female, and that women make up as little as 19% of total roles at alternative managers according to Prequin.

So, what’s the solution? For many in the venture capital industry, a lot of women are assuming the mantle and doing it for themselves, with a study by First Round Capital discovering that women deliver higher returns when it comes to venture capitalism.

Though impressive, it does little for the average female investor who feels isolated when they want the opportunity to grow their funds, increase their pension pots, supplement their income and much more besides; especially for those women who have heard about the potential gains that making an alternative investment can possibly net them.

Female investors who don’t want to put their funds into mainstream assets and are excited about the potential financial opportunities an alternative way of investing can provide for them and their overall lifestyle can learn more about the industry and build a bespoke portfolio with an accessible, experienced and professional financial advisor.

The High Street Group Project in Newcastle Hadrians Tower

Hadrians Tower – Newcastle

Getting educated on alternative investment opportunities

A new report by HM Revenue & Customs has also highlighted why now could be a crucial time for women to invest in an alternative future for a more comfortable retirement.

According to HMRC’s analysis, the gender pensions gap between women and men investing in personal pensions has widened by 16% over the past five years, with 1.66million fewer women contributing to a personal pension.

With wages in the UK not correlating with rising inflation and the Bank of England set to raise rates even further over the next few years, putting money aside and growing their savings can be a tough ask for women unsure of where to put their money.

Building a bespoke portfolio of alternative financial opportunities can help to negate those fears, potentially grow their savings in unique ways, complement their income with fixed term opportunities, invest in industries in line with their ethics and more with the right financial advisor.

FJP Investment is dedicated to working with female investors to help them understand more about the alternative investment scene and potentially grow their savings. Contact our consultants today to find out more.


Act your age: How to build a fixed term investment ladder to suit you

One of the major benefits of researching and putting your savings into a fixed term investment is that it can help supplement income and provide potentially large levels of growth over a certain period of time.

For investors interested in the opportunities provided by a fixed term investment ladder, it’s a strategy that can better complement their overall lifestyle as well as diversifying their investment portfolio.

With the right planning and advice too, a fixed term investment ladder can introduce people to alternative industries and markets they may not have considered before.

A fixed term investment opportunity also suits investors of any type no matter what their experience may be, providing new financial avenues and options for those who take a passive or more active role in their investment portfolios.

A fixed opportunity could also be a good financial move for younger investors looking to build a portfolio and older investors wishing to grow their savings.

Brunel University Student Accommodation

Brunel University Student Accommodation

A fixed term investment is a great place to start

Research is critical when choosing a fixed investment opportunity to discover high-growth areas that make your money work for you.

The benefits are obvious if you make the right moves; a fixed term investment has the potential to provide people with impressive gains as well as allow them to put their money across different venture.

It’s fair to say that there’s a clear generation gap when it comes to investing, though. Millennial investors are seemingly more likely to put their time and money into more alternative avenues such as focusing on the rise in digital cryptocurrency markets.

Younger investors are also more attracted to socially-responsible and ethical investment opportunities, with more than three-quarters of the group aiming to put their money behind projects that offer positive change to the world.

At the same time though, some studies suggest that younger investors can have unrealistic expectations when it comes to the returns they’re likely to receive. Older investors however have more realistic expectations, but with rising interest rates and slow wage growth in the UK, feel pressure to find opportunities sooner rather than later to enhance their savings.

Premium Student Living in Glasgow Scotland

Premium Student Living in Glasgow

How a fixed investment could help with your retirement

According to a recent report from wealth managers UBS, workers in the UK have some of the worst pensions across the entire developed world to look forward to when they retire. The report compared the outlook for 50-year-old women across the globe’s major cities, which suggests that savers may have to look elsewhere to grow their money than traditional institutions.

A fixed term financial opportunity can allow them to do that in creative ways, for older investors looking to start to build a portfolio to more experienced investors who wish to add a bit more to their savings.

The truth is, age and other demographics aside, each and every investor has their own goals, ethics and challenges when they want to build or enhance an investment portfolio. Fixed term opportunities can help them meet those goals, especially if they partner with an experienced consultancy dedicated to providing bespoke fixed term solutions.

FJP Investments is a fixed term investment specialist, helping investors build bespoke and diverse investment portfolio that work for them and their finances. Contact us today to find out more.


3 reasons fixed return investment options might suit your lifestyle

What kind of investment is better for your lifestyle? A long-term investment focusing on serious growth, a fixed return investment for security, short-term opportunities to try and capitalise on immediate returns or other?

There are so many opportunities out there for investors of any and every background to consider. That’s why, for our money, the potential growth opportunities afforded by fixed return investment options are some of the best around, especially as part of a bespoke investment portfolio.

Consider the Schroders Global Investor Study 2016, which surveyed 20,000 end investors in 28 countries to discover more information about individual investor habits. It makes for interesting reading, with Schroders finding that, globally, a majority of investors have unrealistic expectations on their potential returns which is especially true for millennial investors.

Investors aged 36 and above had a desired level of income of 8.4% every year, with millennials expecting 10.2%.

There are also varying short-term investment biases between generations according to the report – overall though, different generations of investors have a demand for income in common, with people mainly investing to boost their pensions and supplement their salaries.

Which is why considering fixed return investment options can be such a good idea for investors looking to get regular returns from their savings on a consistent basis. The truth is that each and every investors’ wants and needs are totally different.

Globe CGI - Empire Property Concepts

Loan Note Investment

Choosing the right fixed return investment can be a bespoke investment opportunity that works for people not just financially, but suits their overall lifestyles, too.

So, what are the advantages of a fixed return investment and how can they benefit people looking to grow their savings in unique ways?

1: A fixed return investment can supplement income

Investors looking to put their savings into a fixed opportunity will be able to find a lot of options to consider on the market. By putting their money into a fixed opportunity such as a bond, their savings have the potential to steadily grow over time, allowing investors to supplement their income in a variety of fixed return projects to provide them with a steady stream of income.

2: It can help introduce investors to alternatives

There are also a lot of fixed return opportunities in the booming alternative investment marketplace. There are various specific alternative industries out there in the marketplace that can offer potentially large fixed returns if the right research is done, trends are identified and followed. That can help investors to diversify their portfolios and align themselves with opportunities more in line with their ethical values.

3: Potentially large growth opportunities with expert advice

Like investors themselves, each and every fixed investment opportunity is different and has its own terms and conditions. Like every investment opportunity too, capital is as much at risk in a fixed return opportunity as any other.

Joseph Locke House Barnsley

Joseph Locke House Barnsley

By partnering with an expert consultancy firm heavily experienced in building bespoke fixed investment solutions for clients though, investors can have access to a well of experience, diversify and build on their investment portfolio with fixed opportunities that reflect their personal and professional lifestyles.

Find out more about the benefits of fixed return investments by speaking to FJP Investments’ expert team of consultants today.


Fixed income investment strategies can tackle changing interest rates

With the Bank of England finally changing interest rates and with over half of the UK getting the current base rate wrong, could a fixed income investment strategy go a long way to better educating savers on how to grow their funds and ease public anxiety about their future finances?

After interest rates were recently raised from record lows of 0.25% to 0.5%, an expert within the Bank of England claims that rates are set to be rise again sooner rather than later.

Cue panic and anxiety from people who have never seen a rate rise in their adult lives. For many who have personal loans and were able to get a mortgage during the period when interest rates were at their lowest, the rise in rates will likely hit them hard in the pocket. Can a fixed income investment opportunity help?

Bradshawgate May Update - Empire Property Concepts

Navigate a rise in interest with fixed income investment strategies

A recent survey conducted by Moneysupermarket has discovered exactly how ill-informed people are when it comes to the rise in interest rates and what it means for their personal finances.

The survey, which highlights differences in generational attitudes between adults and teens on their knowledge of interest, as well as breaking their findings into gendered and regional information, makes for interesting reading. Amongst the most worrying findings though is that 50% of adults didn’t know how their monthly mortgage payments would be affected if interest hit 1%.

Empire Property Holdings Loan Note Photo 15

Perhaps unsurprisingly; many adults who have recently acquired a mortgage may likely have still been in school the last time there was a proper rise in interest rates. At the same time, 51% of men and 59% of women incorrectly identified the meaning of ‘interest rate’, while 74% of respondents in London got the current base rate wrong.

Clearly, there’s still a lot more education needed to help people understand what the impact of rising interest rates will have on their personal finances. For those that are worried about the effects a rise might have, partnering with an experienced consultancy and putting some of their savings into fixed income investment strategies could help ease the financial burden.

Improving personal finances with a fixed income investment

The rise in interest rates has also come at a time when wages in the UK aren’t rising in accordance with the rate of inflation, according to the Office for National Statistics, and older savers worry that they won’t have enough in their pension plans to retire in comfort.

A fixed income investment could potentially go a long way to improving savings and introducing investors to new financial opportunities that are better suited for their lifestyle and supplement their other forms of income.

Working on a bespoke fixed investment strategy with an experienced partner can not only help people grow their finances in potentially unique, secure, diverse ways for their needs. The right advisor will also work alongside them in the long-term to improve their knowledge of the investment market, expand their interests and build meaningful relationships that will work to improve investors’ finances.

FJP Investments is an experienced consultancy, working to help improve investor knowledge on the benefits of a fixed income investment and how they can potentially improve their finances with the right bespoke strategy.


Is alternative investing the answer to people’s retirement problems?

Saving for retirement is one of the biggest cross-generation problems facing Britons at the moment. With the right advice, planning an investment strategy though, opening up your portfolio to alternative investing can potentially alleviate those fears and help savers grow their wealth in unique ways.

A recent study commissioned through YouGov has discovered that 56% of women have yet to begin saving for retirement. The data also suggests that approximately 44% of men and women are worried that they haven’t been able to save anywhere near enough money for a comfortable retirement during their working lives.

Empire Property Holdings Loan Note Photo 7

At the same time, 50% of people in the final 10 years of their working lives have admitted to a sense of jealousy surrounding the finances of those who have already stopped working according to data from Prudential. So, how can finding the right alternative investing asset classes help to improve a person’s pension pot?

How to grow your savings through alternative investing

With research from Aviva highlighting that the UK pension gap stands at £311 billion per year, a 40-year-old will have to save approximately £4,100 a year, just for them to have an adequate standard of living during their retirement years. That’s a very real proposition for people who have yet to start saving at all for retirement.

Consider research from Age UK too which has discovered that nearly 8 million people aged between 40 and 64 will not be able to retire when they reach the state pension age of 65, with over a third of those surveyed saying they expect to still be doing the same hours in the same job at the time they qualify.

So, how could alternative investing help people to improve the value of their savings and generate wealth for them to retire in comfort? The alternative investment scene is one that continues to attract attention from savers thanks to the potentially large returns they can provide in a short period of time, especially for those who are fast approaching the age of retirement.

Investing in the right alternative investing asset classes for you

Alternative investing is a way of making your money work for you in while identifying growth opportunities in markets that are on the fringe of the mainstream investment industry.

As an example, the classic cars scene is currently one of the more popular alternative asset classes on the market today, seeing 192% of growth in the past decade. That particular market can produce serious returns for investors – again though, only if they invest wisely, research the market, gauge trends and invest in portfolio items most suitable for them and their needs.


FJP Investments is a professional alternative investment service run by a dedicated team of qualified experts with intricate knowledge of the alternative industry.

Our team provides a bespoke consultative approach and is passionate about partnering investors with secure alternative growth opportunities that will not only work best for them, but provide them with the best potential returns for their needs and budget.

Want to know more about alternative investing and how educated investment opportunities could help boost your retirement funds? Contact FJP Investments today to find out more.