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: The impact of holding cash over the long-term. The true role of cash. The impact of inflation on cash. Creating the right balance. In times of economic uncertainty or fluctuating market conditions, it is entirely natural to look at a healthy cash bank...
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...
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: 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: 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...
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 is that uncertainty is not just a temporary...
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 the face of these world events. Indeed, no amount of investment...