Image by alexas_fotos on pixabay We live in an age in which huge quantities of information are available instantly at the touch of a button. It has never been easier to acquire knowledge, assuming that we have the time to filter through it to find what...
Image by pefertig at pixabay.com Expenditure plans The adequacy or otherwise of any future income stream depends on the expenditure which it is intended to match. Before deciding that there is a need for more future income therefore, it is worthwhile to spend some time looking at...
Image by Andrea Piacquadio at pexels.com A recent report published by the Pensions Policy Institute seeks to address the question of what constitutes an adequate income in retirement. The authors recognise that the definition of adequacy varies according to perspective. For example, from the point of view...
Image by Notnixon on Pixapay.com Anyone who’s had any involvement in investing for even a short period of time will be familiar with the warning that past performance is not necessarily a reliable guide to the future. Even if you aren’t an investor but you watch...
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...