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.
Whilst out at dinner with my family recently to celebrate our daughter’s 9th birthday, I cracked a tooth on a Chinese spare rib. I knew it was bad straight away and a trip to the dentist the following week was inevitable. I am fortunate, however, because my wife Bonnie is a dental professional and although … 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
You might think that the sole reason for hiring a financial adviser is to help you manage your money and finances better. An office-bound, number crunching, spreadsheet warrior, so to speak. That is, of course, one part of what I do. But overlooked and often misunderstood is the unique opportunity I get to help our … Continued
When investment markets wobble, as they’re prone to do, it’s easy to be reeled in by the sense of panic that comes from the pantomime news. No one likes losses, however short-lived, but the inflammatory headlines tap in to most investors’ inner worrywart. Damage limitation decision making is nothing but a short-term approach to a … Continued
Earlier this month the Financial Times reported that millions of pounds of pension tax relief had been incorrectly arranged following errors made by tens of thousands of employers. This got me thinking that if some employers can’t get it right, what hope is there for anyone contemplating DIY personal finance? Why ‘do-it-yourself’ when the consequences … Continued
In literary classic The Odyssey, Homer tells the epic story of Ulysses and his ten-year journey home at the end of the Trojan War. In one of many challenges faced, Ulysses encounters beautiful Sirens singing spellbinding sweet songs, which lure passing ships to their destruction on the island’s rocks. To ensure his own ship’s safe … Continued
Writing a book that is enjoyable for others is a tough task for anyone. Write a book focussed narrowly on personal finance and you have an even tougher task. For Dr Brian Portnoy to succeed in doing so with his most recent release ‘The Geometry of Wealth’ is a significant achievement indeed. Having read more … Continued
If you fly on a commercial airline enough times, eventually you’re going to experience flight turbulence. Sometimes it lasts for just a few seconds and at other times it can be more pronounced. But whenever it presents itself, that initial uncontrolled feeling of helplessness, doubt and often fear is always there. In many ways, flight turbulence … Continued
Earlier this week I met a potential new client who’d unexpectedly come into a large sum of money. But when it came to the matter of investing they could only be described as confused. Having spent some time explaining the basics of a good investment process and plan, we got to talking about the difference … Continued
As we approach the end of another calendar year, the financial media will soon turn its attention towards forecasts for 2018. And with global stock markets currently reaching new all-time highs I’ve already begun to see some market commentaries forecasting a stock market crash during 2018. Although a crash, correction or downturn cannot be ruled … Continued
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