8.75% P.A. RETURN


This means regular income and all you have to do is sit back and watch the money come in

Think of this as an early Christmas present from us to you…


*As with any other investment, your capital may be at risk. Seek financial advise from an adviser or contact the company directly.


Surge In Food Inflation Reaches 4.1% Hitting Low Income Families The Hardest

Food prices have sky rocketed at the fastest rate since 2012

In the last 12 months the inflation of food prices have reached an overall high; with vegetables alone rising by 5.7%

Resolution Foundation (RF), say the rise is hitting poorer families the hardest, especially those hit by the real wage squeeze.


Economists however, are predicting that the inflation is peaking BUT until the wage rise increases faster, the costs of living will continue to squeeze Britain.

UNISON’s general secretary, Dave Prentis says,

“The government needs to take action in next week’s budget to ensure the pay cap is lifted and give public service employees a decent wage rise”

Below is data analysed by Stephen Clarke of RF,


Source: Twitter

‘The rising price of essentials hits lower income households harder. The result is that inflation over past 6 months higher for lower-income households, richer households felt the squeeze last winter’

Alternative Assets

Some investors argue that alternative assets could provide a hedge against inflation, away from low-yielding bonds.

Mike Pinggera, fund manager of Sanlam FOUR Multi-Strategy Fund, in 2016 said:  ‘My preferred route, is to invest in alternative assets such as infrastructure, student accommodation and renewable energy which can provide a stable income stream with inflation linkage. Given the current uncertainties, long-term, high-quality and income-producing real assets make an attractive home for investors.’

Asset Life offer bonds with fixed interest rates.


For more information about the products Asset Life provide and a FREE brochure, fill out the form below or get in touch via the website


*Investing in bonds means your capital is at risk. Before investing into any company, seek more information through a financial adviser or the company directly.

House price reductions at its highest level since 2012 – could it spike back up?

Homeowners reducing prices to attract first time buyers

There are fewer people looking to buy a new home across the country, according to a survey by the Royal Institution of Chartered Surveyors.

Rightmove, the UK’s largest online real estate portal and property website, say homeowners that are trying to sell their houses are reducing their asking price in a bid to tempt buyers into a transaction. The number of price cuts are at a 5-year high with 37% of current sellers have dropping the asking price by 0.8% or £2,395. However, experts suggest that this is having a negative effect on nervous buyers as they are worried there is a hidden fee or something dodgy about the price drop.

The market has slowed down drastically particularly for the Capital. Rightmove director, Miles Shipside, says that the slowdown in the housing market, the interest rate rise and the prediction of two further rises, suggest there will be bigger reductions in house prices.

Even with the housing prices dropping, the average price roughly equates to £207,760. This is still rather expensive for low income families or first time buyers.

On 22nd of November, the Autumn Budget 2017 will revealed and buyers are hoping the new ‘stamp duty holiday’ will come into play. At the moment, tax bills are given at the end of most purchases and have gotten larger in recent years. The new proposal suggests that first time buyers don’t pay anything for 1 or 2 years and the onus is instead on the one who is selling the property – according to Ian McCluskey of PwC

Many people forecast that should the new ‘stamp duty holiday’ be put into effect, the house prices may rocket up on already expensive figures.

For more information about Asset Life, please fill out the form below and we will be in touch.


*The information provided is not giving financial advise. As with other investments, please contact the company directly or seek more information from a financial adviser.

Is it worth taking a look at alternative assets?

You can’t invest in an asset without a risk and if you’re going to risk your money, it might as well be in an asset you get a high return for.

Risks involved with alternative investments are not all more risky than stocks. If anything, some are more easily understood than others. The surge of investments in alternative assets has made them central focus in asset management. A survey by MainStay Investments showed that significant investors are opting out of stocks, bonds and moving onto hedge funds, venture capital, private equity, and real estate – also known as alternative investments.

According to the 2017 edition of Willis Towers Watson’s Global alternatives survey, the worlds largest 100 alternative asset managers, said they have seen assets increase by 10% in 2016 rising to $4 trillion. It is suggested that by 2020, global assets in alternative investments will grow to $18.1 trillion.

Certified financial planner Mark Wilson, chief investment officer of the Tarbox Group said,

“Stocks and bond returns will be strained for approximately 3-5 years so it makes sense for people to consider other sources of returns”

Before, alternative assets were more difficult to understand and were targeted at high-profile investors with a large income or saving. Now, the new lowered entry for investors opens a door into alternative investment plans that they might never have considered originally.Artboard-Copy-3.png(Source: Centre for Hedge Fund Research)

fixed income alternative investment is a fixed income investment that does not react inversely to interest rate movements as traditional intermediate and long-term bonds do. According to the Bank Of England, we should be expecting another TWO interest rate increases or 0.25% in the next three years.

For more information about Asset Life, please contact the company directly via their website or using the form below.



*Your Capital May Be At Risk. For more information please contact a financial adviser or the company directly.

Savers – What Are You Doing Now?


Some of Britan’s top Banks – Lloyds, Barclays, Halifax, HSBC, Santander and Royal Bank of Scotland – have increased tracker mortgages at lenders but savings accounts are still “under review”, following the interest rate rise.

Experts suggest the economy is weak and more prone to inflation due to the rise. In addition, Banks are pending an increase on savers to see how the rest of the market reacts and can then act accordingly.

Inflation – the general level of prices is going up. More money will need to be paid for goods (like a loaf of bread) and services (like getting a haircut at the hairdresser’s) – Wikipedia

David Black, director of consultancy DJB Research says,

“If a bank increases its standard- variable-rate mortgage by 0.25%, it should also increase its variable-rate savings accounts by 0.25% rather than seek to take advantage by widening its margins”

According to Blacks’ analysis for Money, he explains that delaying the rise means savers on variable-rate deals, with high-street banks, will collectively lose about £3.9m a day in interest.


Savers are perking up on hunt for better deals such as fixed income bonds. We’ve collated a few of those in the table below in what they offer and how they compare.

Comparison Table 3 - edited.png


As of 26th October 2017, Asset Life provides a market leading return of 8.75% per annum which is paid on a regular basis to a nominated bank account and no upfront fees or ongoing charges. For further information fill in the details below.

*The contents of this article is not to be deemed as financial advise but for information purposes only. As with any similar investments there could be a risk to your capital, so please contact the companies directly.




For a FREE brochure about Asset Life, fill out the form below!


Interest Rate Rise – The First In 10 Years, What Does It Mean?

Interest rates have RISEN for the first time in the last decade from 0.25 per cent to 0.5 per cent, we take a brief look at what this could mean for you.



Almost four million householders face higher mortgage interest payments after the rise, with the main losers being households with a variable rate mortgage. According to UK Finance, the average outstanding balance is £89,000 which would see payments increase between £11 and £12 a month. Poorer families with children will expect a significant fall in their real income.

Lee Wild, Head of Equity Strategy at Interactive Investor says it would hurt families as they’re already in a fragile situation,

“The timing isn’t great for families struggling with the lag in wages growth to inflation, and who are now beginning to plan their Christmas budgets. Brexit is already causing many to rethink their spending, so rate-setters must tread carefully to avoid a policy mistake further down the line”.

Mark Carney, a Bank of England governor, says Britain’s exit from the EU is the biggest factor determining the country’s long-term economic prospects, however, the Bank could re-calibrate monetary policy if a Brexit deal is agreed.


Although the homeowners are taking a hit, savers are ‘seeing better returns from saving accounts’. So every £10,000 that is saved, they gain an extra £25 per year on top of their original 0.25 per cent.

Governor Carney, says he expects all providers to increase return for savers after the Bank decided to raise their interest rates.

“Banks did pass on the cuts to their depositors, and we expect competition to push it in the other direction. Obviously we will watch it closely.”


Although this is a step in the right direction for savers, there is still a huge void between the returns available on the high street and those offered in the alternative investment sector. For instance:

Asset Life are a commercial finance company that offer bonds over a 3 year term with a fixed interest rate of 8.75% per annum – which may be considered higher than the products found on the high street market.

The directors believe these opportunities offer potentially strong capital growth and income which in turn is returned to our fixed income plan holders who can enjoy attractive rates of return through this very straightforward method.

Contact Asset Life for further details

Please contact the company directly on the website Asset Life or by freephone 0800 677 1777 for further information.

For a FREE brochure, fill out the form below.

*The contents of this article is not to be deemed as financial advise but for information purposes only. As with any similar investments there could be a risk to your capital.

So what is an alternative investment and how do Asset Life compare?

An alternative investment is an asset that is not one of the conventional investment types, such as stocks, bonds and cash. Alternative investments include private equity, hedge funds, managed futures, real estate, commodities and derivatives contracts.

Asset Life

Asset Life offer a 3 year bond investment with a fixed interest rate of 8.75%. They first set up in 2014 by two former high street bankers. According to Company Check, their current assets have gone up by 92.6 per cent. Their minimum deposit is £2,000 and interest rate is paid quarterly or annually directly into your bank account. As with any similar investment there is a risk to your capital so please contact the company directly on their website Asset Life or by freephone 0800 677 1777.

For a FREE brochure, fill out the form below.

Castle Trust

Castle Trust offer a 3 year bond investment with a fixed interest rate of 2.30%. They first set up in 2012 by an experienced team of senior executives. According to Company Check their current assets have gone up by 87.45 percent. Their minimum deposit is £1,000 and interest rate is paid quarterly or annually. You risk losing capital should Castle Trust become insolvent. Please contact the company directly on their website Castle Trust or by phone 0808 164 5000


The Wellesley Group consists of Wellesley & Co Ltd, Wellesley Finance Plc and Wellesley Group Investors Ltd. They first set up in 2013 and was founded by Graham Wellesley. According to Company Check their current assets have gone up by 62.83 per cent. Their minimum deposit is £100 and interest rate is fixed according to your preferred method of payment. For a 3 year bond plan paid monthly, the interest payment is 3.65 per cent and annual payment is 4 per cent. Your capital is at risk and interest payments are not guaranteed if the borrower defaults. Contact the company directly on their website The Wellesley Group or by freephone 0800 888 6001

Just Loans Group

The Just Loans Group offer a 3 year bond investment with a fixed interest rate of 8.25%. They were founded in 2012 and currently have 6 directors. According to Company Check their current assets have gone up by 72.1 per cent. Their minimum deposit is £2,500 and in order to find out how interest rate is paid you need to be added onto a waiting list. Please seek risk warnings before investing by contacting the company directly on their website at The Just Loans Group or by landline 020 3199 6379



*The information provided is not giving financial advise but is for information purposes only. Should you have any doubts as to the merits of an investment, then please contact the companies directly.