In this update: Why Delayed Gratification is Your Financial Superpower As a financial adviser, I have countless conversations with clients about their aspirations. Whether it's buying a dream home, funding a child's education, gifting to family, enjoying a comfortable retirement (often including all manner of unplanned expenditure),...
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, the real secret to long-term financial success lies...
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 having an emergency fund are crucial aspects of a sound financial...
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’re essentially navigating your financial life...
In 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 spent reviewing our own situation now, in good time for the future, may leave...
In 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 chaos and disorder. The good news is...
In 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 living driven by changes in the UK public's expectations and increases to the...
In this update: Ben Graham's timeless reminders Fluctuations Investor vs Speculator Market Amnesia Opportunity Take a long term view Ben Graham's timeless reminders Ben Graham, Warren Buffett's early mentor, wrote the Intelligent Investor in 1949. Whilst society has undergone unimaginable evolution since that time, the principles espoused...
In this update: Your response to difficult markets Margin of Safety Opportunity Take a long term view Your Response to difficult markets As the financial difficulties deepen within global economies, which I have previously written about in other updates, we find ourselves tested - private individuals, governments,...
In this update: Lessons from History Compound me up Welcome to this financial planning update. Here we share some views on various topical points relating to financial planning. This month we look at the impact of deferring financial planning decisions and the benefits of compounding returns...