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 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...
Image from pixeltweaks on pixabay With depressing regularity, investors in assets which they were told were secure turn out to be anything but that. I draw the distinction here between those whose falls are simply a function of broad market movements which affect all publicly quoted...
The issue with property as an investment is not the underlying asset class per se but the form in which the exposure to it is obtained. Buildings are difficult (and expensive) to sell quickly should the need for unusual amounts of cash suddenly arise....
Photo credit: M.G.N. - Marcel on VisualHunt / CC BY-NC-ND ‘You take a chance getting up every morning, crossing the street or sticking your face in a fan.’ Police Lt. Frank Drebin, ‘The naked gun’ Many of the people whom we encounter, when asked about their attitude to...
The true meaning of wealth is having the appropriate level of assets that you require, when you require them, to meet your financial and lifestyle goals. In the interim, any movements in value are noise....
The recent collapse of a firm supposedly offering low risk investments which turned out to be the opposite affords the opportunity to consider some of the warning signs when faced with any apparently attractive investment proposition, particularly as these regularly apply to other schemes which...
Don't confuse the decision with the outcome - good decisions can still result in bad outcomes and vice versa....
Diversification has been described as ‘the only free lunch in investing’ in that it enables a portfolio’s returns to be enhanced without increasing its risk. However, it is possible to have too much of a good thing? Can a portfolio actually be too...