Blog
The clients we serve best have the following qualities: They work in partnership with us to make good financial decisions Our clients appreciate, that the advice of a highly qualified advisor is useless if not acted upon. The ultimate decision lies with them, and our role is to help them make it a good one.
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There are a few levels on which maintenance occurs. The start of anything we do is to review the latest research and evidence. We then decide whether we need to make changes to any of our processes. This ensures they prudently reflect the latest thinking. When we say the latest thinking, we do not mean
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Your portfolio represents your future. It is only natural to want to check how your investments are doing. How often you need to do this depends on the type of investor you are. Speculators who constantly buy and sell individual stocks will monitor performance frequently, perhaps daily. Those investing for the long term with robust
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Over the longer term, being on course to meet your financial goals is the true meaning of success. The first aim is to grow or at least preserve the value of your portfolio after inflation over the medium term. This may not happen each year, but over a longer period, you would hope that to
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The quick answer is ‘no’ for two main reasons. The first is that few investors invest all their money into equities. You need to have a lot of intestinal fortitude and patience to do this. It is more likely your portfolio will be a mix of equities and higher-quality bonds. The second is that whatever
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Risk is one of the trickiest subjects to discuss in investing. Investors face many kinds of risk. For those planning their future, the ultimate risk is failing to meet their goals. Addressing this needs a sound investment strategy and solid financial planning. This is vastly different to what many think risk is. They think it
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In today’s markets, bond yields are low and those of high-quality bonds are the lowest. In addition, they could quite feasibly crash too with interest rate rises. So why have bonds in a portfolio? It is quite straightforward. Imagine you only hold equities with a portfolio of £200,000. The economy takes a turn for the
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The second quarter of 2021 has seen most major markets continue on an upward path. For once, the UK, as measured by the FTSE 100 was not the laggard, as that prize went to Japan. However, in Q2 the FTSE 100 was still behind the overall global equity performance of 6.8% in sterling terms. This
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Since 6 April 2010, the personal allowance is reduced by £1 for every £2 of income above £100,000. Since then, the personal allowance has almost doubled. It was £6,475 in 2010/11 and now stands at £12,570 in the tax year 2021/22. Income at this level is formally taxed at 40%. However, the fact that anyone
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Building an investment portfolio requires a mixture of investment science and common sense. The evidence suggests timing when to be in and out of markets (or sectors, or companies) is extremely difficult. It also suggests identifying a manager who can persistently beat the market is very hard to do in advance. We, therefore, focus on
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