You may have seen the term Portfolio Yield used in connection with taking an income from your investment portfolio. In simple terms, this equates to the return you get from your investments and includes stock market dividends, interest paid on cash, fixed income produced by bonds and rental income from property.

With interest rates at a record low and dividends under pressure, it has become harder than it once was to provide an adequate income just by taking the natural yield from a portfolio, meaning that some investors may find themselves dipping into their capital earlier than they would have wished.

Many experts advocate taking the natural yield from a portfolio and using other sources to supplement their income, such as annuities and cash accounts, and more recently, equity release via drawdown to supplement income.

With life expectancy in the UK continuing to rise, planning your retirement income is more important than ever before. Longevity brings with it an increased likelihood of needing nursing and residential care at some point in the future.

Working with Clifford Osborne allows you to plan your finances and can help prevent you from running out of money in your later years.

It’s always in a client’s interests to take advice before making any large decisions relating personal finances.

The value of investments can go down as well as up and you may not get back the full amount you invested.

For more information on how to create a diversified investment portfolio please do get in contact with us. We offer a free initial portfolio review to get you started. Clifford Osborne are Independent Financial advisers based in Eastbourne, with clients coming from Lewes, Brighton, Tunbridge Wells, Heathfield, Uckfield, Bexhill, Hastings and further afield in East Sussex.