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What is the value factor when investing?

Factor investing simplifies investment decisions by following golden rules such as Value, Size, Momentum, Quality, and Volatility. Let’s focus on the Value Factor and how it helps your money grow over the long term. What is the Value Factor? When shopping, you might see two identical items priced differently. If one is £10 and the

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How can factor investing help me?

Back in the ’70s, an academic called Stephen A. Ross figured out a nifty way to give your returns a bit more oomph. He studied at famous schools like Caltech and Harvard and wrote a paper that changed how we invest. What did the paper say? He popularised “factor investing,” which simplifies investment decisions based

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Why shouldn’t I opt out of the NHS Pension Scheme?

According to figures from Quilter, there has been a significant increase in the number of NHS employees opting out of their pensions due to financial constraints. In the last year alone, 66,749 individuals stopped contributing to their pensions, citing affordability issues or other financial priorities. Opting out of a workplace pension scheme may increase your

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Should I invest in AI?

Investors often lose sight of their long-term goals due to two main distractions: fear and hype. Fear, often brought on by global events or market downturns, can cause investors to focus too much on the short term. This can lead to hasty decisions that derail their long-term strategies. On the other hand, hype, which arises

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How will AI affect how I manage my money?

One topic on everyone’s mind is the role of Artificial Intelligence (AI). So, I’d like to dive into this fascinating topic: What exactly is the future of personal finance management in the UK with the rise of AI? What is AI? AI, or Artificial Intelligence, is the broad concept of machines being able to carry

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Should I buy an annuity with my pension?

If you’re planning for retirement, you may be considering buying an annuity. Annuities provide a guaranteed income for life, which can be a valuable source of security in retirement. In recent years, annuity rates have been on the rise, meaning you can now get a higher income from an annuity than you could in the

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Do I need to invest in complex investments?

Some believe they need to invest in more complex financial instruments to get higher returns. However, it’s important to evaluate whether these investments are necessary and will help you achieve your financial goals. What are complex investments? Complex investments are financial instruments that are more intricate in nature, come with higher risks, increased costs, and

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