Blog

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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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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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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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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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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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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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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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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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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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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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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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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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

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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