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Why Shares Can Be A Good Thing - Richard Lishman

Why Shares Can Be A Good Thing - Richard Lishman

Historically, stocks have achieved an average return of around 10 – 12 per cent over the long-term, and are notoriously well known for outperforming safer investments such as bonds or savings accounts. As such, having a share in the ownership of a company can be a worthwhile investment, particularly if you are willing to put your money into a riskier venture.

There are two main classes of stock: these are known as common or preferred. As the name suggests, common stock make up the vast majority of shares available and are generally considered to entail the most risk. Indeed, if the company goes bankrupt, shareholders do not receive any money until the creditors, bondholders and preferred shareholders are paid. On the plus side, being a shareowner entitles you to a portion of the company’s profits, so if the going is good, you could potentially see a significant return on your investment.

By owning stock(s) you are also entitled to one vote per share when it comes to electing the board of directors at annual meetings. So while having shares doesn't give you any power in the way the business is managed, your voting rights means you do have an opinion in who is in charge, and by association, the direction of the company.

Preferred stocks, however, don’t usually afford the shareholder the same rights, so if this is important to you as an investor, it is crucial to choose ventures that do allow you to vote. The other aspect to take into consideration is the way in which the money is paid out – unlike common shares, investors are usually guaranteed a fixed lifetime dividend, which could be ideal if you are looking for a safe, consistent income for retirement. When deciding upon which type of stock to invest in, it is always worth considering the option of a collective investment scheme. This is where shares are pooled into one investment to maximise returns and minimise tax.

There are innumerable different companies that you could potentially invest in, so before you make your move, take the time to shop around. And, if you are looking to make a much larger investment, you could consider taking over a dental practice. Indeed, if an incorporated practice is looking to sell, it will usually do so through selling their stock – as more often than not the principal owns the majority, if not all of the shares. By buying these shares you take over as the main owner of the practice, which holds numerous opportunities.

All in all, there are a number of roads to go down with shares, which if you play your cards right, can pay dividends – literally! To get the most out of your shares or for advice on buying or selling, it is best to seek guidance from an Independent Financial Adviser, such as those at money4dentists.

There is a lot to consider when trading shares, so make sure you are prepared – getting caught out will cost you.


For more information please call 0845 345 5060, 0754 DENTIST, email This email address is being protected from spambots. You need JavaScript enabled to view it. or visit



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The Big Brexit

The Big Brexit


Richard Lishman from Money4Dentists shares his thoughts on Brexit and what it will mean for Dentists in the UK.



So it’s happened. Voters in this country have supported a split from the European Union and, for the first time in just over forty years, the UK will be heading out into the future without its Continental neighbours.

When the news broke on the 24th, there was a lot of panic and uncertainty. The FTSE 100 dropped approximately 8.7 per cent, the strength of the pound plummeted to levels unseen for almost 30 years and the Prime Minister, David Cameron, announced his plans to step down in October. A pall of hysteria seemed to envelop the country… but is it really that bad?


Well, the most important thing to remember is that nothing is going to happen over night. A lot of things are up in the air right now, but they will settle. The market has gone up and down for years but it has always normalised. If we look back to the Scottish referendum, the FTSE experienced similar turmoil, but it went back to normal quickly enough. The main thing is to stay calm and not be too hasty in despairing.


In some cases, there may even be a chance for people to make a little money. In terms of equities, some may stand to make money if they buy carefully whilst prices are down and wait patiently for when the market returns to normal. Indeed, by being careful and investing wisely there can be much to gain at the moment. Of course, many individuals may be tempted to sell rather than buy right now, but this is more a product of inexperience than financial foresight. People are anxious and when they start to see the risk, they can panic and make mistakes.


It would be far better to approach this change with consideration and patience. Once the market has settled and the smoke has cleared, people will almost certainly have forgotten about the day we Brexited.


For dentists, one of the most crucial things to remember is that people will always have teeth – whether they’re part of the EU or not. The population will not suddenly stop needing to go to the dentist. There may be an initial dip in attendance whilst uncertainty reigns, but this will more than likely return to normal in due course – dental pain, after all, is and likely always will be a constant.


One thing, however, that some dentists may need to consider, if they achieved their qualifications in the EU but now practise in Britain, is that these may not be valid once the UK become independent. Of course, this is an eventuality that is still a long way away from becoming a reality, but it is something that might be worth researching to cover your bases.


But on the other hand, there may even be a chance for the UK dental economy to flourish. UK dental laboratories could see an increase in business if practitioners no longer have the option to work with overseas laboratories due to quality and standards incompatibility. Similarly, dental tourism may begin to tail off if EU dental qualifications lose their value in the UK and flights abroad increase in price.  


There are a lot of negatives that could come out of Brexit, but there are also a lot of positives that can be found – and these are most certainly worth looking for. Of course, if you are ever uncertain or concerned about your financial situations in the days and weeks following Brexit, it is always worth contacting an Independent Financial Adviser for, if nothing else, a little reassurance.


For more information please call 0845 345 5060 or 0754DENTIST.

Email This email address is being protected from spambots. You need JavaScript enabled to view it. or visit

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