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...
01 February, 2025 37 LikesIn 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...
02 January, 2025 37 LikesIn 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...
01 December, 2024 37 LikesIn 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...
31 October, 2024 21 LikesIn this update: Voluntary National Insurance Contributions National Insurance Contributions National Insurance can be a confusing subject, and we can be forgiven for wishing to overlook the nuance and complexity of it. Some time s...
03 September, 2024 36 LikesIn this update: The Big Picture The importance of portfolio rebalancing Withdrawal discipline The Big Picture It can be difficult to see the big picture when all that we are exposed to, driven by the media machine, appears only to be cha...
05 August, 2024 31 LikesWe have summarised the main points of yesterday’s Spring Budget below, along with a reminder of various changes from April 2024 that we were already aware of. PENSIONS State Pension The triple lock means that the new state pension and basic sta...
07 March, 2024 20 LikesIn this update: Latest Retirement Living Standards Latest Retirement Living Standards The latest update to the Pensions and Lifetime Savings Association (PLSA) Retirement Living Standards (RLS) reveal a shift in the cost of retirement li...
19 February, 2024 29 LikesIn this update: Investing persists through all cycles Your retirement spend and your retirement duration Investing persists through all cycles Interest rates are at levels we haven’t seen since before the Financial Crisis, tempting some ...
09 November, 2023 27 LikesIn this update: Where would you like to start? Your negative bias Where would you like to start? ‘Where would you like to start?’ is an interesting question. It’s as important a question too for investors. Because when talkin...
01 October, 2023 26 Likes