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Got million dollar money habits?

Got million dollar money habits?

What is it that rich people do that makes them wealthy?  Popular thinking would appear to indicate that they have a different mentality. But is that pure genetics, or is it possible to learn some of the behaviours and processes that make the rich, rich?! In Tom Cory’s collection of books such as Rich Habits, and …

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Market commentary – October 2018

Market commentary – October 2018

While Europe and Japan growth rates have slowed this year the US economy has experienced strong growth, so US Portfolio exposure applies portfolio construction and risk management parameters to criteria that reflect a positive US economic view. With that in mind, this month’s market summary focusses on the US economy and reasons to be positive …

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How a financial planner is different from a financial adviser

How a financial planner is different from a financial adviser

Traditionally, financial advisers concentrate on selling you a financial product to fix a ‘problem’, rather than focusing on financial planning. Financial planning is a service revolving around YOU, not your money. When it comes to considering future financial goals, most people don’t want to be sold a product. Instead, they want someone to understand them …

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Market Summary – May 2018

Market Summary – May 2018

‘No deal Brexit’ prospects, the formation of an Italian anti-EU coalition, a stronger dollar and a stronger US economy created a mixed bag last month.  With a special focus on increasing US bond yields, here is our Market Summary for May 2018. Equity Markets May was a mixed month across major equity markets, with strong …

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6 points to consider before investing in luxury products

6 points to consider before investing in luxury products

Is buying, or investing in, luxury items always a wise decision? Are diamonds and handbags really your best friends? Are paintings a worthwhile investment? In this post, we take a look at a few of the more ‘perturbing’ aspects of the luxury product industry. A recent ruling by the European Court of Justice (ECJ) about …

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Brexit and the Spanish property market

Brexit and the Spanish property market

Spain has always been one of the most popular countries for Brits buying abroad, but with Brexit underway and the exchange rate in a state of flux, overseas property and finance expert Simon Conn has been looking at the current state of the market. Simon explains the current state of play: “Spain is still in …

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7 questions for your financial adviser

7 questions for your financial adviser

We live in a society where the client is king and you have the power to make decisions about what you need and who you want to provide it. That said, many people take far longer deciding what to buy during their weekly shop, or on organising a holiday than they do planning their future. …

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How a typical savings plan works

How a typical savings plan works

Unless you are “independently wealthy”, you will need to save on a regular basis to afford to fund life events like children’s education, children’s wedding/property expenses, and retirement. The goal is to try and achieve the lifestyle you want while saving towards your future life events. If you don’t, years from now, you may kick …

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Have you asked your financial adviser these questions about your pension transfer?

Have you asked your financial adviser these questions about your pension transfer?

We should start by saying that transferring your personal pension(s) from where they are currently held is not right for everyone, or for every pension scheme.  When we investigate this for you, we provide unbiased, fact-based, recommendations, and will only ever recommend a transfer if it is viable and feasible to do so and represents …

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How to pick winning advice

How to pick winning advice

Many people find that, when it comes to planning and investing for the future, they could use a little help; usually this comes in the shape of a professional adviser.  But how do you know whether your adviser has your best interests at heart, or is giving you the best advice for you? When it …

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