Financial planning

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 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...

Image from Pexels.com One of the questions which concerns most investors is the rate at which they can safely draw on their portfolio to meet their lifestyle costs without running the risk of depleting it too early.  Unsurprisingly, this is an issue which has also featured...

Image by PublicDomainPictures at pixabay.com Now that the US election appears to be (at least largely) decided and given the recent news about potential coronavirus vaccines, in the last few weeks investors have been focused on equities. This is hardly surprising given that the index of...

Image by Tumisu on Pixabay.com Yet again, it appears that an issuer of mini bonds has failed, leaving its investors with little or no prospect of recovering their investment.  In this instance it is a firm, Wellesley, whose TV advertisements I had actually seen myself.  I...