This is our blog page where we hope to pass on valuable information, which could help you be better prepared when dealing with your financial arrangements. Whether we explain basic principles, debunk financial myths, or provide general tips, this page is an opportunity for us to share our thoughts which can help you make better financial decisions.
But to be clear. We’re not providing personal advice here (you have to pay for that I’m afraid!) and any arrangements that you make having read these pages are entirely your own affair.
We don’t believe in forecasting the future, and in the event that we discuss specific products, funds or assets here, our opinion should be taken as that, our opinion and not a personal recommendation to buy or sell.
I’m currently reading “How Not to Be Wrong – The Hidden Maths of Everyday Life”, a book by Jordan Ellenberg. The premise of the book is to demonstrate how mathematical thinking can help us understand the everyday world in a deeper, sounder, and more meaningful way. In the very earliest pages, the author tells the … Continued
Remember when oil prices went negative a few weeks ago? How is that even possible? I mean I get it now, but I couldn’t have comprehended it before the event. Below is a short extract from a story I read this week in Bloomberg News on how it played out for one person. It might … Continued
Only when something is taken away, do we truly realise its value. It’s been four weeks since the UK Government introduced the Covid-19 response, suspending our ability to move freely. The expectation is for another month in isolation, maybe more. It’s needed of course. There are many suffering from medical and financial hardship. But there … Continued
Most investors know they should ‘not put all of their eggs into one basket’. And anyone with a competent financial adviser will have been advised to manage their portfolio ups and downs by spreading investments globally, as well as allocating to different asset classes. The main assets being cash, stocks and bonds. With stock markets … Continued
I didn’t watch Love Island. And until recently I didn’t know much about the former presenter of the show, Caroline Flack. I knew she was a TV presenter. I’d seen her name and face online, but I’d never stopped to read more than the headline if anything at all. Even so, the ‘breaking news’ of … Continued
As we start the new decade, you may have taken some time to look back at the last ten years and consider how much has changed both personally and financially. You might even have thought about the next ten. And after what has been a stellar recent decade for the global stock market1 with a … Continued
Britain’s favourite topic. Property. But I’m not talking about the residential property that you and I live in, or the buy to let market. This update is about the current uncertainty in property investment funds, which pool investors’ money together so they can all invest in a portfolio of commercial property including industrial warehouses, office … Continued
A few words on the suspension of ‘star’ fund manager Neil Woodford’s UK Equity Income investment fund, which consumed my professional news feed yesterday and spilt into the broader headline news. And I honestly thought about stopping right there. But that would miss the opportunity to help remind investors of some valuable investment basics. Past Performance … Continued
In the first few weeks of 2019 the topic I’ve heard mentioned more than any other, and one that might be new to you, is the investment principle ‘home bias’. Home bias is well documented as the tendency for investors to over-allocate assets to their home market, ignoring to varying degrees, foreign investments. There are … Continued
In company news, on the evening of November 22nd, I attended the ‘Personal Finance Awards’ with my wife Bonnie, held at the Intercontinental O2, where I was shortlisted as a finalist for the UK’s ‘Investment Planning Specialist’ of the year. The Personal Finance Society is the professional body for the financial planning community and part … Continued
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