There is a new approach to investing, and it is catching on. ABA. The result is that a number of the opportunities highlighted in recent years are making steady progress….
I last wrote about scams 6 years ago, and in that time the size, speed and sophistication in which scams have evolved has been prolific. READ ON
The last quarter began with sharp falls in financial markets then bounced back to around where they started, some a bit less, some a bit more. The message from this appears to be one of a lack of direction, even tedium. Yet such a conclusion misses the extremes in volatility. We also explore the emerging opportunities (yes, including the UK!) and two big constants in financial markets, and how they guide us today. Read On.
Many people focus solely on investment returns when planning for retirement, but there’s a bigger elephant in the room here, and it’s about protecting your assets & income. I will use Critical Illness Cover (CIC) as the example, as it is one of the most commonly used type of personal insurance in the UK. READ ON
We know many of our clients are buy to let (BTL) landlords, and there has been a growing trend of dissatisfaction amongst this cohort, mainly due to the combination of tax changes and higher interest rates in recent years.
This has made the prospect of cashing in on the properties more attractive, as shown by the fact that the percentage of properties for sale that were previously up for rent hit a record high in 2024.
But the question we often get asked is “where do I put the proceeds?”. READ ON
In more than three decades of explaining “risk” to clients we pointed out that sometimes you are just unlucky, like our grandparents living through two World Wars, the Great Depression, and the Wall Street Crash. Today I wanted to discuss the role of luck, and one very big risk which our industry invariably under-estimates, but which can decimate your financial plan, particularly through retirement. READ ON
In the last two commentaries we said that we can’t eliminate the potential for Trump stupidity. The scale of that stupidity was revealed in the last week, and stock markets around the globe are falling, particularly sharply in the US. In this note we explain why we believe the downturn is some way from being over. Read On.
The Tax Year End Is Looming
With the tax year coming to a close on the 5th April, now is an opportune moment for us to remind you about your key allowances while there is still time to act, if you haven’t done so already. These include valuable inheritance tax gift allowances.
Last month we noted that something very positive was occurring in the investment world, and this has persisted over the last month. Sadly it has been overlooked by many investors, who are increasingly lost in the fog of Trump idiocy. Let’s focus on those clear positives, and also look at how ordinary US folk are responding to Trump, as well as the billionaires he thought were on his side. Read On.
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