Insights

A rich resource of financial acumen and wisdom awaits.....

  • In this update:  Navigating the Unknown: Why Market Uncertainty is perfectly normal   If you have followed these posts for a while, you’ll have noted I have addressed the fundamental reality that all investors must eventually embrace – that...

  • Welcome to Retirement So, you’ve worked hard and saved £500,000 in your retirement pot! Congratulations, that’s no mean feat! But there’s a problem. We can often identify with the allure of such a large sum of money and can be persuaded to think we h...

  • In this update:  Our attitude and the financial markets   In today’s market environment, and particularly in light of the recent market volatility caused mainly by newly announced tariff policies, investors can at times feel powerless...

  • In this update:  Running Through a Dynamite Factory: The Perils of Uninformed Investing   I was recently reminded of a wonderful quote from Joel Greenblatt, the renowned investor and author:   Choosing individual stocks without any ide...

  • In this update:  The Paradox of Investing: Bad Months and Good Years   Compounding is hard because a bad month can feel longer than a good decade.   Morgan Housel   This simple observation captures one of the most challenging psyc...

  • In this update:  The Power of Consistent Investing: Let Time Be Your Greatest Ally   When most people think about building wealth through investing, they often focus on finding the next big winner or timing the market perfectly. However, th...

  • In this update:  Cognitive Biases in Financial Planning and Investing The Role of Independent Financial Advice   Cognitive Biases in Financial Planning and Investing Cognitive biases are systematic patterns of deviation from norm or rationa...

  • In this update:  The importance of time when investing. The importance of an emergency fund. Balancing both Why we avoid making economic and market predictions Why Investments aren’t ideal for Ad Hoc withdrawals     Time and havi...

  • In this update:  The importance of Budgeting – Mapping your financial future.    Budgeting is like the GPS for your finances, ensuring that you know where you are, where you want to go, and how to get there. Without a budget, you...

  • In one of the longest ‘Budget’ speeches in memory, Chancellor Rachel Reeves gave the first Labour Budget speech for nearly 15 years on 30 October 2024.   This was clearly going to be a challenging Budget, with the Chancellor seeking to addr...

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