Blog
One of the most common questions clients ask is, “how will I know when I have enough money?” What does looking at this involve? There are several ways to determine whether you have enough money. One approach is to consider your current and future financial goals and compare them to your current income and savings.
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As you plan for your financial future, you may wonder whether it’s worth working with a financial advisor or tackling your finances on your own. While there are pros and cons to both, the decision ultimately depends on you. What are the advantages of working with a financial advisor? One of the main advantages of
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If you want to invest, a top priority is determining how much risk to take. Risk might sound scary, especially if you’re not a risk-taker elsewhere. More risk can mean higher returns when investing, but nothing is guaranteed. Is having too much in equities a bad idea? The chart below looks at the probability of
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On 17 November, the fourth chancellor of the year delivered his Autumn Statement. Jeremy Hunt aimed to use the Autumn Statement to calm markets and reset public finances. Much of what was stated had been expected. Once again, there was a focus on so-called stealth taxes. These came either through the further freezing of allowances,
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Many wonder how long they need to invest their money. Like many others in life, the answer is “it depends.” While no two circumstances are identical, understanding the behaviour of the investment markets can help you make an informed decision. History also shows that the longer you invest, you increase your chances of making money
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We all wish we could outwit the financial markets. Instead of trusting them to produce life-changing returns, we fool ourselves into believing that we can predict when the market will fall and then rise again. No one is immune to this temptation, but we can cure ourselves of the desire to act on it. With a
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Later-life care can be a complex topic to discuss and plan for. However, making a care plan now ensures that your wishes are carried out and that you have long-term security. If you haven’t addressed it yet, keep reading to find out what you should do. According to a Canada Life survey, 7 in 10 UK adults
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You might be unsure of your duties as a trustee and the procedures you must follow. Here are some crucial things you should be aware of if you’re a trustee. Being a trustee entails taking charge of funds or property placed in a trust for another person, referred to as the “beneficiary,” by a person
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Our colleagues at Timeline, who manage the portfolios we recommend to our clients, have put together a paper on the investment case for commodities. We class commodities as ‘alternative’ investments. Unlike ‘traditional’ assets such as bonds and equities, commodities are physical assets that produce no income and may incur storage and transportation costs. This makes
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In May, the Institute for Fiscal Studies released one of the first pieces of academic research into the spending of British retirees. The report looked at changes in spending throughout retirement over time. Perhaps the most important conclusion is that those who have not yet retired shouldn’t expect their overall spending to fall sharply during
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