The media’s need for big market calls that attract eyeballs is easy to understand. We’re naturally drawn to the idea that someone out there can see the future clearly. The reality, unfortunately, is that no-one can. Everyone is guessing.
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With Christmas just around the corner, if you’re stuck finding a present for someone who has everything, look for a gift that helps someone who has nothing.
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I thought I would give you a roundup of changes in this month’s newsletter as quite a lot has been going on behind the scenes here.
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One of the biggest challenges that investors are faced with is the sheer volume of information that can steer them off course. When sorting through this information – a patient, long-term approach is the best path to success.
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In most relationships it tends to be the male partner who makes the financial decisions. Yet women are just as good at dealing with money than men, if not better. Why, then, do so many women shy away from finance and investing? And how can the balance be redressed? Psychologist Moira Somers sheds more light on the subject in this video.
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As well as calling out firms that are causing harm to the environment and their fellow human beings, we should also encourage businesses that really are trying to make a positive difference. Here are some examples.
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Modern consumers are told we can have everything we want right now. And, if we can’t afford it, we can put it all on the plastic and worry about paying for it later. Investing doesn’t work like that at all.
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The fall of Neil Woodford, once dubbed “Britain’s Warren Buffet”, is just the latest in a long line of investment fiascos, and it won’t be the last.
Read MoreThere is a significant body of research showing there is a long-term premium available for investors who tilt their portfolios away from glitzy growth toward less fashionable value stocks — ones with low prices relative to fundamentals like earnings or book value. The problem is that no one has worked out either when and where that premium will kick in
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The evidence appears to be pointing to an increase in interest in the environment and to a growing willingness to act on it. Nor is it just certain sections of the population whose attitudes are changing. 2019 may just be the year that, in Britain at least, the tide of public opinion finally turned on climate change.
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It’s very tempting to try to second-guess the market. But successful market timing is often down to luck rather than skill, and doing it consistently is almost impossible. So what are the alternatives?
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As attention turns to the Rugby World Cup in Japan, we’ve been looking at what we can learn from the oval-ball game when it comes to building a suitable investment portfolio.
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Never be deterred from taking a test your doctor advises is necessary. But if it’s just curiosity getting the better of you, make sure you’re fully informed about the potential financial impact of sending off for a DIY genetics kit.
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We’ve all wasted time and money on things, and what’s it’s done we can’t do anything about it. But we still have options and choices. And that starts with writing off a losing proposition.
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There’s an old adage that goes, “Watch the pennies and the pounds will take care of themselves.” But it’s actually quite misleading. To control our spending, it’s the biggest items we need to focus on.
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Business coach Nicola Wilkes came to us with several folders packed with paperwork and a shaky grasp of what was in them. Here we'll see what she gets back, discuss her next steps and make sure her financial paperwork stays minimal and manageable.
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Like well-prepared travellers, diversified investors are ready for a range of outcomes. If the stock market is roaring ahead, they can have sufficient exposure to enjoy the benefits of that growth. But when stocks are down, they can also be protected under the relative shelter of government bonds.
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Say goodbye to the unnecessary paperwork that’s been cluttering up your house and life. We’ve digitised the paperwork that can be kept as a soft copy and now it’s time to shred the superfluous.
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It’s impossible to predict with any consistency which individual asset classes, markets or securities will deliver the strongest returns next. The best thing you can do as an investor is to be broadly diversified.
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In Step 3 of our financial decluttering process, clients deliver their financial paper trail and then we work our magic to divide it into three types — things they need original copies of, things they can keep digitally and things they simply don’t need at all.
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