With a New Year just around the corner – the property market continues to present great buying opportunities for property investors. With mortgage lending curbed for first-time and second-time buyers, the rental market gets stronger and stronger.

In 2012 inflation is expected to drop back to 3-4%, but with average returns in savings accounts still at records lows, often savings are only just keeping pace with inflation.

Laser targeted property investment will often achieve double digit returns, so a flight to property investment in 2012 seems to a certainty, after all there is a current housing shortage, low level of house building in place and weak mortgage finance.

With so much uncertainty in the world finance markets, and the stock market always reacting to news in the NOW

It is no surprise that this week witnessed over £72bn (YES £72,000,000,000) wiped from the stock market values in the FTSE 100.

With pension funds investing in equities – then why would it be surprising news that research, by the National Association of Pension Funds, also found the number of people believing a pension is the best way to save for retirement fell from 45% to 35%.