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.
UK inflation rose by 2.5% in the 12 months to June 2021. In the US the new rate is 5.4%. The impact of which I found out recently when I went to the local pub for an eye wateringly high £6 pint! Roll out the media’s widespread inflation analysis, and personal finance articles offering help … Continued
That’s my parents on the cover picture. Today my dad turns 98! Yep, you read that right. My dad is 98. Not my grandfather, my dad. He’s in pretty good shape and continues to live an engaged, active and independent life. My mum, although younger, is still a good 86. When my dad was born … Continued
In 1989, I was a teenage skateboarder. When school closed for summer, I’d be outside on my board every day. From sunrise to sunset my friends and I would explore London, visiting the very few skateable locations available to us at that time. It was a brief but hugely enjoyable period of my youth, and … Continued
Most investors can’t see the wood for the trees. And the latest hot topic for over-analysis is the potential for rising economic growth, inflation and interest rates to negatively impact Bonds. You all own Bonds via our portfolios, so it’s not irrelevant news. But it is worth understanding why you own Bonds in the first … Continued
The word ‘balance’ is defined by Oxford Languages as “an even distribution of weight, enabling someone or something to remain upright and steady”. In mathematics ‘balanced’ is defined as “when both sides have the same quantity or mass”. Of course, you already know this. But balanced is also a term encountered regularly in finance. It’s … 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
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
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