We make risk related decisions every single day. They can be obvious ones – such as deciding how comprehensive you want your home insurance to be – or they can be quite innocuous, such as deciding to stay in bed for an extra 10 minutes on a Monday morning. Risk and return are generally positively … Read More

When the new pension freedom rules and regulations were announced, those already drawing their pension as an annuity didn’t think too much of it all. It was just some radical change that had come too late. That was, until Steve Webb started to float the idea of ‘cashing in annuities’. While the idea was largely … Read More

The Fund Grand National – Where’s your money this year? Our latest infographic can help guide you to the finishing line. Just remember, funds are not horses!

It might not be marked up alongside birthdays and holidays in your diary, but April 6th is a useful date to remember – the start of a new year. But while a new financial year might not have quite the same excitement and celebration as a new calendar year (outside of the financial world, anyway), … Read More

For most people the Easter weekend has two main positives – Friday and Monday off work. A long weekend of relaxing, spending time with the family, or maybe a short trip away somewhere. A third positive; much like Christmas, Easter provides a short spell of time when eating a lot of chocolate is considered acceptable. … Read More

A couple of the biggest announcements to come out of the 2015 Budget were in respect of ISA accounts. Namely, the new flexibility given to Cash ISA contributions and the introduction of the new ‘Help to Buy Isa’. The other main announcements for savers were a further reduction in the pension lifetime allowance and confirmation … Read More

With so much investment information available – whether it’s online, in the weekend papers, or on the side of a taxi – it’s easy to get caught up in it all. You might read an article or a headline, it might prompt a question, then another one, and an hour later, you’re 10 articles deeper … Read More

As the impact of the recent Retail Distribution Review (RDR) starts to take effect on the advice industry, the client-adviser dynamic is going to change a little. If you currently have a financial adviser, unless you’ve got a pretty sizeable sum of money invested, you might start to hear a little less from them (if … Read More

If you’re still sat with your money in cash, unsure where to put it, you’re not alone. There are lots more savers with exactly the same dilemma. (Our recent infographic, ‘Navigating the ISA road’, looks at the various methods and processes for choosing an ISA product.) There’s so much ISA information around at the moment … Read More

Essentially, efficient market hypothesis (EMH) is the theory that market prices reflect all available information and therefore ‘beating the market’ is not a possibility for investors. There are a number of different variations, but for the purpose of this blog I will describe EMH as the idea that all publicly available information is accounted for … Read More