News & Articles

 
Details of the Auto Enrollment Pension Scheme announced

Details of the Auto Enrollment Pension Scheme announced

Minister for Social Protection, Heather Humphreys, published the framework for the pension auto enrollment scheme. This is something that has been talked about since 2007, so it is good to see things moving forward and it looks like it is actually going to happen. We have written about this before, so I am not going […]

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Benefitting from past mistakes

2022 has been an awful year so far for investors. Both equities and bonds are down, there is no return on deposits and inflation is only getting higher. Yet investors are not panicking as before. What has changed? Experience It is now easier than ever for people to invest money. More people invest than in […]

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Commodities are not the answer

Russia produces about 10% of the world’s oil. They are also the world’s second biggest producer of gas and supply and they produce 30% of Europe’s gas. One of the economic consequences of Russia invading Ukraine is a sharp increases in the price of energy (this is nothing compared to what the Ukrainian people have […]

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It’s the wager, not the odds

Liverpool Football Club won the League Cup (I can’t keep up with the change of sponsors, so I just call it the league cup, much to my son’s amusement) last week. It was an entertaining 0-0 draw with both sides having goals disallowed for marginal VAR decisions. Liverpool won the penalty shoot-out 11-10. Liverpool are […]

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Is it time to ban structured products?

Structured products have been around for a long time. We have always viewed them to be a poor quality products for our clients so they are not something that we use. But people do use them, otherwise they wouldn’t have survived as long as they have. They have always been complex products which traditionally used […]

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Luck isn’t a strategy

I did the following recently: Profit off the table We sold some money in an investment account that we have. With investment returns doing so well, we decided to take some profit off the table and pay down some of our mortgage. Some money was taken out in December and another amount in early January. […]

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This is what risk and return really looks like

As a financial advisor, we always talk to clients about the relationship between risk and return. I’ve even written about it and again and again. When you invest in funds, you don’t see the rise and fall of individual stocks and it can be of little interest. That’s because investing should be boring. Now you […]

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If you aren’t paying for it, you are the product

How can Google make so much money when their service is free? It took a while before people discovered what was going on. Tech companies were using all the information we were giving them and using it to allow companies to use targeted advertising. We were the product all along. Free Trading Now there is […]

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Variable income in retirement

Ever go to conference? Ever notice that people return to the same seat after breaks. If it is two day conference, everyone will be sitting in the seats they had the day before.  We are creatures of habit and we like routine. One certainty we love the most is getting that pay cheque every month. […]

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Market Correction

The stock market returned 30.98% in 2021. It was a modest 6.25% in 2020 but given the global economy effectively shut down that year, who can complain? 2019 saw returns of 29.91%. In fact, in the last 10 years, there was only one negative year, 2018, when the market was down -4.26% for the year. […]

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