Investments

What is a plan and why do we do it? Put simply, planning helps to identify your goals and we do it because it provides a way of achieving them. But a plan also enables us to adapt. Without a plan, there’s nothing to grab onto. A little...

The investment industry is known for its different approaches. Some are more controversial than others. One of the more controversial viewpoints is between what we call an ‘active’ and a ‘passive’ investment approach.  Those who support ‘active’ investing believe they can beat the market by buying...

How big does a pension need to be? That is the question, or versions of, that I am asked most frequently. I have worked in financial services for 17 years now. What I have learnt over that time and, related specifically to retirement, are two...

Many investment and advisory firms have a rigid set of beliefs, often referred to as “Our Investment Principles”, or some other grandiose title. Some will claim a contrarian view point just to stand out from the crowd, others will say their modus operandi is evidence-backed.   If...

In this article, I’m going to put forward the argument that investment firms, wealth managers and fund houses are actually not doing anything particularly special. That returns are generated by a simple formula and that is the relationship between two broad assets, equities and bonds. An...