Blog

Asset Allocation

Asset Allocation Why is it that some people achieve investment success, but others do not? Failing to find a winning strategy for your investment and pension portfolios can cost you many thousands of pounds, resulting in a lifestyle that is less than ideal. The best way for investors to achieve the correct balance of risk […]

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Who Gets My Pension When I Die ?

I think we can all agree that, despite the complexity of pension rules, when you die, you would like to ensure that your pension is passed on to your beneficiaries in the most tax-efficient way. Prior to 2015, pension rules dictated that pension payments could only be made to your dependants, meaning your spouse or […]

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What and where is the best place to invest in 2020?

What are the global stock market predictions for 2020, and what are the stock market trends? These are some of the most frequently asked questions I am hearing from clients. Reports in the media that there is going to be another stock market crash is one of the gloomiest stock market predictions. I’ve even had […]

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Pension Contributions – A Useful Guide

I could not have picked a better day for my day off. I am enjoying a coffee and almond croissant, catching the early morning sun, when my reverie is interrupted by my phone… “Good morning Ray, Tony here [a new client], do you have time to speak?” “Yes, of course, what’s the problem?” “I have […]

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Top Independent Financial Adviser Award

What Achievements Are You Most Proud Of? At the beginning of any new year, it’s good to look forward to what lies ahead, it’s also a good time to look back at your past achievements. In 2010, I was extremely honoured to receive recognition from the Million Dollar Round Table by receiving a Lifetime Achievement […]

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DON’T SHOOT THE MESSENGER !

The last financial crash in 2008 gave the global economy a brutal beating, governments felt compelled to take measures to provide monetary stimulus to the financial markets. Over the last 14 months we have expressed our concerns, warning investors that this twin increase in liquidity had artificially inflated asset prices, meaning gains made might dissipate. […]

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Investments have Bombed, so How Did You Do ?

Looking back at our records, you have been a client for XX years now, during those years you have enjoyed a high level of “income” by way of making regular capital withdrawals from your investment accounts. Your previous investment holdings would not have provided such a generous level of “income”, you would have had to […]

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“You cannot have a cake and eat it too.”

“You cannot have a cake and eat it too.” (Baugman). Try telling that to the shareholders of Pattisserie Valerie- epic code (CAKE), for the Directors of that company have been busy selling shares, over the past two years. Presumably the recent bombshell that are financial “irregularities” within the company , leading to a £20m black […]

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Investment Trusts are not always best ?

Investment Trusts are not always best? That was the title of a recent article by IT Geek in the Investors Chronicle, an investment periodical that has not enhanced its reputation this year by making a strong case to BUY Conviviality and published it the same day as Conviviality collapsed! The article then compared five pairs […]

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Investment Questions that make Sense

Investment Questions that make Sense Many potential investors ask questions at an initial meeting, these often relate to the cost of the service being provided not the value being delivered. They will often query the number of employees that you have as a lot of investors prefer to invest with large companies as this gives […]

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