Why Good Financial Principles Matter When the World is Spinning In this update: Financial Planning principles in practice However you get your news, it wouldn’t have escaped your attention that it seems like the world is currently careening downhill. Whether it’s volatile energy markets driving up household bills, inflation...
In this update: What causes inflation. There is no subtly in money. Inflation is, everywhere and always, a monetary phenomenon. It is not created by greedy corporations raising prices, nor by trade unions demanding higher wages, nor by supply chain disruptions in distant markets. These are merely the...
In this update: Hidden in plain sight. In the world of investing, we often talk about risk as a set of numbers and we refer to these numbers using words such as volatility and standard deviation. But for most of us, risk is an emotion. When markets...
In this update: AI and Financial Services. In 1999 it seemed that some fell in love with the 'clumsily charming' independent bookshop owner in Notting Hill. But as Hugh Grant was winning hearts on the silver screen, a much larger force was landing on our shores. At...
In this update: Portfolio rebalancing - Why it matters even when nothing else has changed. It’s a common misconception in financial planning - if your life hasn’t changed — no new job, no house purchase, no sudden inheritance — your investment portfolio shouldn't need to change...
In this update: Navigating the Unpredictable The part that luck and risk play in financial planning As regular readers of these posts will note, I often outline strategies built on sound principles, careful analysis, and a long-term vision. This is a firm focus on what we can...
We have summarised the main points of the Budget below, along with a reminder of various changes from April 2026 that we were already aware of. PENSIONS Tax Free Cash from pensions No change. Tax Relief on Pension Contributions No change. Contribution Limits No change. Salary sacrifice From April 2029, anyone sacrificing more than...
Are you using your portfolio like a bank account? In this update: Why your portfolio should not be treated like a bank account. Is your Investment Portfolio a Piggy Bank? Think Again! It's a scenario many of us dream of - checking your investment portfolio and seeing a...
Don't Fear the Peak: Why All-Time Highs are Just Stepping Stones for your Investments In this update: Don’t fear market highs. The headlines often shout about "all-time highs" in the stock market, and for some investors, this can trigger a sense of unease. Is it too late...
In this update: Financial Clarity in a Sea of Misinformation In today's digital age, information flows freely – a double-edged sword that offers unprecedented access to knowledge while simultaneously drowning us in a sea of misinformation. This is particularly true in the realm of personal finance, where...