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.

Two Truths About Inflation

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

What is Financial Advice?

On Sunday I caught up with Rational Reminder, one of my favourite podcasts on sensible investing and financial decision making. At the 18 min 40 sec mark of Episode 142: What is Financial Advice? one of the hosts, Ben Felix, considered a question recently asked of him. It’s a great question! Why would I, a … Continued

Life Expectancy – You Are Not Average

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

What Tony Hawk Can Teach Us About Risk

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

Why Should You Own Bonds?

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

GameStop & Fear of Missing Out

On Wednesday, my son Guy came into my home office after a day of homeschooling. On my screen, I had a meme open about US retail company, GameStop, who’ve dominated the financial news and social media this week. It’s a fascinating story with multiple players, layers and a plot that will likely fill a soon … Continued

The Soul of America

The storming of the US Capitol last week, and the way it was handled, shocked many. But history clearly shows a long line of shocking moments that are more common than we care to know or remember. We have been here before. Moments in history. For example, the assassination of President John F. Kennedy on … Continued

Remember March? It Was Wild

So that’s it. Christmas week is upon us and 2020 is nearly at an end. What. A. Year. Other than the bleedin’ obvious, you’ll have your own reasons for remembering 2020. Hopefully, some are good. But what you might have already forgotten, or purposely avoided at the time, were the crazy days of March when a … Continued

When a Balanced Risk Investment is not Balanced

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

Market Timing is a Mug’s Game (Part Eleventy)

Under normal circumstances, I don’t follow or comment on the daily ramblings of the stock market. But on Monday the UK’s stock market (FTSE 100) ended the day up by 5%, and the American market (still open as I write) reached an all-time high. I write to you today because there is a lesson to … Continued

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