Image by Stevepb at pixabay.com Apart from the fundamental changes which have affected the financial advice sector in the last decade or so, it is sometimes easy to forget that there has also been much change in the field of financial products. Some of this will undoubtedly...
Image by kaboompics on pexels.com This week I’d like to highlight the contribution made to the world of personal finance journalism by someone who, despite having retired in 2012 after 25 years’ service, continues to contribute to the financial planning profession via her...
Image by Cottonbro on Pexels.com In any field of human endeavour there are good, mediocre and bad practitioners and I’m sure journalism is no different. Even medicine, which consistently tops the table in terms of public trust, has had a few dodgy representatives over the years. ...
Image by Skitterphoto on pexels.com The idea of the ‘millionaire next door’, whose lifestyle seems to be similar to our own but who turns out to have accumulated a net worth which their neighbours do not suspect, is not new. Indeed, there is even a formula...
Image by Jannes Glas on Unsplash.com Of all the questions we are asked about the portfolios which we create and manage for our clients, some are more common than others. You might expect that people would be most interested in the assets which make up the...
Image by Max Fischer on pexels.com After a few years of working with clients and the range of challenges that they are facing, I have noticed a few things which pop up repeatedly. In no particular order therefore, here are some of the lessons which I...
Image by J Kelly Brito on Unsplash Now that we know the extent to which the budget changed (or did not change) personal taxation, we can turn our focus to the end of the tax year in a few weeks. However, year end planning is not...
Image by Startup Stock Photos on pexels.com In recent years we have become accustomed to an expansion in the number of choices available to us as consumers and it is no different in investing. However, increased choice also brings increased complexity. With personal finance already fairly...
Image by Sora Shimazaki on pexels.com Last year the UK government revealed that it faced a liability estimated at £17bn in connection with ‘unlawful’ age discrimination within public sector pension schemes. The situation arises from decisions made in the early part of the last decade which...
Image by Tranmautritam on pexels.com Pretty well all investors understand that investment success entails buying (relatively) low and selling (relatively) high. The difficulty that we face is that it is never obvious until after the event whether the value was low or high at a particular...