If you are an individual investor, or if you have ever met with a financial adviser, I am sure you are aware of the concept of volatility, the tendency of investments to move up and down quickly. It's likely that you've heard of it in a negative way, as something to be avoided. The [...]
It’s become almost a trend in recent years to condemn the 60/40 portfolio, which invests 60% in stocks and 40% in bonds. And with good reason. Thanks to an absurdly low interest rate environment, it didn’t offer the same diversification benefits one would expect in a more reasonable world. Yet investors need to recognise [...]
With top-paying savings accounts in the UK now paying around 4% interest, and with cash rates for one-year fixed term accounts going as high as 5%, many consumers are now wondering whether they should simply hold onto their cash savings rather than investing. To help clients with this tricky issue, we have looked to [...]
Commercial properties include such spaces as offices, industrial buildings, shopping malls, warehouses, retail parks, hotels, cinemas, and logistics buildings. Investing in commercial property can usually be considered as being a good diversifier in client portfolios. One way investors can access this asset class is through buying open-ended property funds, which look [...]
Investing for the long term gives your money the greatest chance of growing in value. But this means keeping calm during periods of significant stock market volatility – and remembering that, as history shows, markets typically recover. Here are three reasons why investing over the long term is the wisest strategy. [...]
Everyone makes mistakes at some point in their lives. Some are relatively minor, like accidentally hitting ‘reply all’ and broadcasting a message to your colleagues. Others can have more long-lasting consequences, and this is especially the case when it comes to your investments. Making a mistake with your investments could set you back hundreds, [...]
Market volatility can increase or decrease depending on where we are in the business cycle. Here’s why this shouldn’t worry long-term investors. Big market declines can be unnerving for investors, often triggering emotions of fear and concern, particularly if they occur unexpectedly or in a very brief period of time. However, such declines are [...]
When you hear "risk" related to your finances, how does it make you feel? Do you see an opportunity for great returns? Do you imagine the "thrill" of investing? Do you become worried that you’ll be left with nothing? Do you believe that risk is just an essential part of the investing process? To [...]
In May 2022 UK inflation reached its highest level in 40 years. Inflation has risen almost every month since August 2020 and this is not going away imminently, with the Bank of England forecasting that CPI inflation will rise to 11% by October 2022. The same story is true across much of the developed [...]
As markets unravelled, there were few places for investors to hide. As coronavirus spread and war persisted in Ukraine, equity markets sold off indiscriminately, causing many panicked investors to sell riskier assets in exchange for cash. During times of crisis, many investors who’ve worked their whole lives saving for retirement start thinking about what [...]
