Blog

Alan Smith

Life’s Big Questions

Our team enjoys meeting clients, discussing important subjects, and answering questions whenever possible.  Although we’re a financial planning company, we often discuss a range of other subjects that are top of mind with clients. These

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Alan Smith

A 20 Year Overnight Success

32 Buckingham Palace Road, London, SW1. In a ‘glorified’ broom cupboard’ office above an electrical store (now a pizza shop!). One adviser, a personal assistant and two laptops. That’s where life began for Capital in

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Wealth that money can't buy.
Alan Smith

Wealth that money can’t buy

I’ve been asking people what their definition of True Wealth is for years because I know it’s more than simply money. Last week, at the event to launch his latest book, ‘The Wealth That Money

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Fiona's 40th birthday
Fiona Price

This is 40

This is my 40th year. I like birthdays. I’ve never understood why people sometimes say they like to forget their birthdays. Not many people like to be reminded they are getting older, and a birthday

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The-Unappreciated-Investment-Risk
Charles Riches

The Unappreciated Investment Risk

There are two distinct stages in an investor’s financial planning lifetime. The first requires you to squirrel away money for the future, hoping to benefit from the magic of compounding returns. We call this the

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Alan Smith

In the news

Two of the UK’s largest financial services companies have been in the news recently for all the wrong reasons. St James’s Place The UK’s largest wealth manager announced last week that they had made provision

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The Stock Market Is All Around You
Alan Smith

The Stock Market Is All Around You

The Wrong Way to Think About the Stock Market Many investors consider the stock market an abstract concept they cannot see or interact with. With this mindset, it’s easy to start thinking about stock ownership

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Investing for children
Graham McCulley

Gifting money to children and grandchildren

I have had many conversations with parents and grandparents about investing a lump sum or starting a regular savings plan for their children and grandchildren (under 18’s). In the end, even with several options on

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Financially healthy
Fiona Price

Keeping Financially Fit

I enjoy most forms of exercise for which I’m very grateful. I often get asked in classes if I used to be a dancer which is funny because if anyone saw me when I actually

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How Will You Spend Your “Dash”?
Alan Smith

How Will You Spend Your “Dash”?

Every year, about this time, I like to take myself off to a quiet location and spend a few days reading, reflecting, thinking, planning, and taking long walks. So last week, I found myself in

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GOALS
Fiona Price

Goal!

Financial planning is all about goals. Goal setting is one of the most essential parts of any plan, and I’m glad most of the advice industry has moved on from “your goal is to have

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you need to do it now
Alan Smith

You Need to Do It Now

I’ve always loved the sport of rugby. I played throughout my time at school and college, occasionally captained the team and still love to watch the game, especially international matches. So, I’m currently relishing the

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Graham McCulley

No IFS, no buts, the tax collector is coming…

Way back in March 2023, before our gloriously changeable British summer, Chancellor, Jeremy Hunt set out his plans the abolish the pension ‘lifetime allowance’.  This was met with welcome noises from pension savers and pensioners

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Spending time with your children.
Alan Smith

Eighteen Summers

We’ve just returned from our family summer holiday, and as my eldest child, Sean, is almost 15, the concept of “18 Summers” is firmly on my mind.  The idea is that from the moment they’re

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What's your story?
Fiona Price

What’s Your Money Story?

People may decry watching television as an activity that melts your brain, the same way some people were once skeptical about radio. Even the written word – reading and writing, were once reserved only for

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The only free lunch in investing
Alan Smith

The only ‘free lunch’ in investing

Life is a fascinating journey filled with unexpected twists and turns, and sometimes we’re faced with opportunities that seem ‘too good to be true’. In 1965, a 47-year-old smart French property lawyer named Andre-Francois Raffray

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Inflation as of June 2023
Graham McCulley

A bitter pill to swallow.

“Somehow, in the UK, someone needs to accept that they are worse off”. Huw Pill  That’s right, according to the Bank of England’s chief economist, Huw Pill, we are all poorer than we were this time

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Brewdog
Alan Smith

3 Life Lessons from a beer billionaire.

To celebrate the 25th episode of my podcast, Bulletproof Entrepreneur, I was delighted to be able to speak with James Watt, the Co-Founder and CEO of the brewery, pubs, and hotels group, BrewDog. BrewDog is

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Trust Planning Capital Asset Management
Graham McCulley

An important update about trusts

For some, the word trusts conjure up thoughts of super-rich families trying to protect their money, but in fact, many of us use trusts in our routine financial planning. The most used trusts are will

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SVB Colapse, Secured Deposits, FSCS
Tim Hale

Lessons from Silicon Valley Bank’s demise

The spectacular work ‘Another Place’ by the British sculptor Antony Gormley[1], of one hundred naked men scattered along 1.5 miles of Crosby Beach in Liverpool, provides a useful twice-daily reminder about hidden risks in the financial world. As

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I will... Someday!
Graham McCulley

Someday… maybe one day?

Someday I will eat healthier, so I lose those few kilos I need to. Someday I will start having a few alcohol-free nights to give my system a rest. Someday I will quit smoking. Someday

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Looking forward and backward IN FINANCIAL MARKETS
Tim Hale

2023 – Looking Backwards And Forwards

At the start of 2022 investors needed reminding that investing is not an easy game, despite having enjoyed around a decade of relatively strong – and fairly consistent – market returns, even in light of

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Lessons from 2022
Alan Smith

What We’ve Learned in 2022.

After two years in which all of our attention was focused on Covid-19 and its impact on our lives, 2022 has been a welcome return to the type of concerns that consumed us before March

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Costs Matter
Tim Hale

Costs matter!

Hopefully, the headline of this note will not come as a surprise to you. It is remarkable, though, just how relaxed some investors are about letting others dip their hands in their pockets to extract high

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Alan Smith

What is True Wealth?

You may remember him from the first series of the TV show, “Dragon’s Den”. Richard Farleigh was ‘the nice Dragon’. A thoughtful entrepreneur with a soft Australian accent he was the more acceptable face of

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Value Stocks Portfolio
Tim Hale

Value – worth waiting for

Sensible investing is about taking on sensible risks in your portfolio, which starts with owning equities over cash. Historical data and logic tell us to expect a premium for doing so. In the long run this

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A note on abrdn
Alan Smith

A note on abrdn

When you set up an investment portfolio, invest in a pension or ISA or other ‘tax wrapper’, you need to appoint a platform or wrap custodian/administrator. The primary role such an organisation is to provide

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Chirine Harb - Head of Operations at Capital Asset Management
Alan Smith

Capital appoints a new Director

We are delighted to announce the appointment of Mrs Chirine Harb to the main Board as a Director of the company (subject to FCA approval). Chirine has also been promoted to Chief Operations Officer with

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Portfolio Performance
Graham McCulley

How is your portfolio really performing?

You’ll be familiar with the story of David versus Goliath. The young shepherd boy, David armed with only a simple slingshot, takes on the mighty giant, Goliath and emerges from their battle, victorious. When I

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Pensions in 60 Seconds
Elliot Smith

Pensions in 60 seconds

A lot of people hear ‘pension’ and think pipe, slippers and old age. While people do often access their pension in old age, they are much more than the first image that pops into our

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Financial News about currency and bonds
Tim Hale

A rational view of the current financial news.

Whatever your politics, there seems to be little sympathy for the new Chancellor.  It’s been a tough first week in his new job; lambasted by the media, accused by the Labour leader of ‘crashing’ the pound and causing

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UK Mini Budget September 2022
George Barbov

The Mini Budget Explained

As we all know by now, the new Chancellor announced his “Mini Budget” about a week ago and we’ve witnessed how this managed to blow up the markets. Kwasi Kwarteng, is known for his doctoral

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Alan Smith and Father Laurie Smith
Alan Smith

A Lasting Gift for Your Family

My Dad, Laurie Smith turns 82 this month and I recently travelled to his home on the west coast of Scotland to spend several days talking with him about his life.  And the best thing

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IHT - INHERITANCE TAX
Elliot Smith

Why IHT is not such a big deal after all

Inheritance tax (IHT) receipts for 2021/22 in the UK were £6.1 billion. Overall, the UK government collected £915 billion in 2021/22 in public sector receipts, therefore inheritance tax made up less than 1% of overall

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Bonds and Interest Rates
Tim Hale

Bonds and Base Rates

Investors sometimes convince themselves that they know what the future holds and seek to position their portfolio to benefit from that knowledge. As one of our clients, you will know that this is not a

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Ash Smith

A guide to surviving a stock market crash

A brief dive into investor psychology, how stock market downturns can affect our ability to make rational decisions, and the opportunities and dangers that can arise. For most of us, investing is a necessary part

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Entrepreneur Transition Podcast
Alan Smith

For your listening pleasure

On June 16th, full of nervous anticipation, I launched a new project.  A podcast called The Entrepreneur Transition went live with 3 episodes and a trailer where I explained the idea and what I hope

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Tips for unsettling times
Tim Hale

Tips for unsettling times

The news today can feel a little bit unsettling. There is no doubt that these are tough emotional times for investors. Russia’s invasion and brutal war in Ukraine is unsettling on both a human and an economic

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Intelligent Investing
George Barbov

The quirky maths of investing

A good proportion of us shy away at the mention of the word ‘maths’, but in the investing world, there are some quirky mathematical outcomes that are worth reminding ourselves of. The first is that if

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Uncertainty
Tim Hale

Uncertainty abounds – it always does.

Today, it certainly feels like the world is in a very uncertain place. Authoritarian states are flexing their muscles, with Russia violating Ukraine’s sovereignty and China’s ongoing subjugation of Hong Kong with the new National Security

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Inflation Explained, Capital Asset Management
Nick Heath

Unpacking inflation

Inflation measures the general increase in the price of goods and services. Left unchecked, it can be a dangerous foe to the long-term investor, eroding the purchasing power of one’s hard-earned cash over time. Since

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Capital Asset Management Future Map
Alan Smith

Do you want to be rich or wealthy?

My Mother-in-law, Angela is retired and lives in a comfortable apartment in the Home Counties. Her total income is around £26,000 a year, made up of various pensions and modest drawings from a small investment

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Fear Of Missing Out - Capital Asset Management
George Barbov

FOMO may be bad for your wealth

It feels at the moment that the markets have gone a little mad. Almost everything you hear on the news or read about investing suggests that everything is going up. The US market is up

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Early Retirement, Capital Asset Management
Don Fraser

Can you afford to retire early?

Let me begin with the motivation for retiring early, which neatly fall into two main camps: What are you running away from? – a bad boss, a boring and repetitive job, the too-long commute, low pay, or

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Questions about Investing. Capital Asset Management, Intelligent Investing Programme
George Barbov

What you might be wondering as an Investor

Whether you’ve been investing for decades or are just getting started, at some point on your investment journey you’ll likely ask yourself some of the questions below. Trying to answer these questions may be intimidating, but

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Investing Anxiety, Capital Asset Management
Nick Heath

All-Time-High Anxiety

KEY TAKEAWAYS: Financial journalists periodically stoke investors’ record-high anxiety by suggesting the laws of physics apply to financial markets—that what goes up must come down. But shares are not heavy objects kept aloft through strenuous

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Plan Portfolio Partner - Capital Asset Management London, Independent Financial Planner
Alan Smith

Why is wealth management so last century?

“21st-century kids are being taught by 20th-century adults, using the 19th-century curriculum on an 18th-century calendar.’ Tom Hierck, Education Consultant Having their kids home-schooled for several months during lockdown gave many parents a rare close-up

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Nick Heath

The hidden value of great financial planning

“There is no greater happiness than freedom from worry, and there is no greater wealth than contentment”. Even now almost 2,500 years later everyone still worries about money, what the future may hold, and the

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Nick Heath

What is evidence-based investing?

If you went to your doctor with a complaint, how would you expect them to make a diagnosis? Would you expect them to base their assessment on years of scientific evidence and research? Or should

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INVESTING, COST, CHARGES, WARREN BUFFETT, INVESTMENT PRINCIPLES, CAPITAL ASSET MANAGEMENT, LONDON
Don Fraser

Why investment costs really matter

Do you know how much of your money was lost on investment charges, costs and fees last year? Even worse, how much has been lost since you first invested? If you could go back and

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