Savings black hole

inflation uk

Inflation set to erode Britain’s £60 billion cash savings Millions of Britons could see their savings shrink, as they don’t know how to shield them from the threat of rising inflation. Currently, UK savers are hoarding over £60 billion[1] in cash for long-term savings and investments, which stands to be eroded by £1.5 billion this […]

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Get ‘wrapped’ up

cheltenham ifa services

Autonomy to make your own investment decisions Some people don’t want a pension company deciding how their pension savings are invested – they want to control where their money goes and how it grows. For people wanting to have autonomy to make their own investment decisions with their retirement savings, a Self-Invested Personal Pension (SIPP) […]

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Investment trusts

investment trusts

Public company aiming to make money by investing in other companies  An investment trust is a public company that raises money by selling shares to investors, and then pools that money to buy and sell a wide range of shares and assets. Different investment trusts will have different aims and different mixes of investments. Investment […]

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Inside the mind of a scammer

is my investments safe

Tactics investment fraudsters use to deceive over-55s The Financial Conduct Authority (FCA) is urging over-55s to check that investment opportunities are genuine before they part with their money. This comes as new research[1], commissioned as part of the FCA’s ScamSmart campaign, reveals that only two in five (42%) think they know how to spot a […]

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Origins of wealth

building an investment portfolio

Turning a vision into reality We understand that no two people are alike and that each of us will have a unique set of objectives. As professional advisers, our starting point is therefore always to take the time to truly understand your goals and aspirations and to turn your vision into a reality that creates […]

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Income investment strategies

investment strategies

Investment strategies: Yield on equities and corporate bonds look understandably attractive People are living longer. Simple demographics mean that supplementary income is no longer a luxury – it’s a necessity. Meanwhile, interest rates are at historic lows – even before you take account of inflation. So, relative to cash, the yield on equities and corporate […]

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A little today, a lot tomorrow

successful investing strategy

Successful investing strategy Managing investment risk during turbulent markets A common mistake that some investors make is not diversifying their portfolio enough. To make sure investments are spread across different asset classes, it could contain a blend of equities, bonds, cash, property and others (such as commodities and gold) to benefit from their changing investment […]

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Sustainable investing

sustainable investing

Strategies to meet some of the most pressing global challenges ahead Sustainable investing has gathered momentum across the world in the past decade as investors look for financial returns while helping to achieve a positive impact on the world around them. Long viewed as a niche asset class catering to wealthy individuals and institutions that […]

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Choosing investments

best investment options

Best investment options  What you need to know to become a more confident investor Before you choose or make any investment decisions, you need to know that investing involves the possibility of loss. These key considerations help you become more confident about your investment decisions. Review your needs and goals It’s well worth taking the […]

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Investing during market volatility

investing advice online

Whether seeking income, growth or both, there are some basic rules to follow Volatile financial markets are an inevitable part of investing. On a day-to-day basis, the swings in stock market prices can be significant. However, over the longer term, things have tended to smooth out, with daily volatility having a lower impact on overall […]

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Financial strife

keeping investments safe

Keeping your investments safe After nearly a decade of low interest rates and central banks pumping money into financial markets, traditional safe haven investments have become expensive, so where could investors look to keep their investments safe? Gold, the US dollar, ‘defensive’ stocks such as utilities and pharmaceuticals, government bonds, cash – what do they […]

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Investment matters post-Brexit

post brexit

Facing new challenges at every turn to meet long-term objectives We are now living in a more uncertain world. As correlations between asset classes rise, the right strategy is crucial to preserve capital when markets are falling. In addition, the result of the European Union (EU) referendum came as a shock to financial markets, and […]

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Savvy investors


Time to get wrapped up? How to shelter income and capital gains For long-term investors, Individual Savings Accounts (ISAs) are a very tax-efficient wrapper that can hold cash savings as well as investments in stocks and shares. Savvy investors are also able to shelter income and capital gains. The limit on how much can be […]

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Are millennial investors facing a perfect storm?

investment goals

Looking at the mismatches between expectation and reality Depressed wages, escalating living costs and a struggling global economy – millennials have a lot on their plates. They need investment income to support short and long-term financial aspirations. Does something have to give and is the perfect investment storm brewing? Depressed wages, escalating living costs and […]

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Investing for success

investing advice cotswolds

Achieving your goals by weighing the potential risks alongside the prospective returns Successful investing involves making choices that meet your unique needs today and your financial goals for the future. A well-defined investment strategy is one of the cornerstones of a successful financial life. Investing is about building wealth slowly rather than getting rich overnight. It’s […]

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Our Mixed Up, Messed Up Relationship with Investment Risk

Investment Risk Brexit

“What the imagination can’t conjure, reality delivers with a shrug.” – Trumbo (movie voice-over) Whether it’s the recent destruction wrought by Canada’s Fort McMurray oil sands wildfire, a potential June “Brexit” from the European Union, or uncertainty surrounding this year’s US presidential election, there is plenty of risk to go around as we swing into […]

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Investing for Retirement Income: Part III: Total-Return Investing for Solid Construction

Total-Return Investing

As we’ve discussed in the first two parts of this three-part series, we do not recommend turning to dividend-yielding stocks or high-yield (“junk”) bonds to buttress your retirement income, even in low-yield environments. So what do we recommend? Today we’ll answer that question by describing total-return investing.   Part III: Total-Return Investing for Solid Construction […]

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Investing for Retirement Income: Straw, Sticks or Bricks? – Part 1

investing for retirement

Part I: Dividend-Yielding Stocks – A Straw Strategy If ever there were an appropriate analogy for how to invest for retirement, it would be the classic fable of The Three Little Pigs. As you may recall, those three little pigs tried three different structures to protect against the Big Bad Wolf. Similarly, there are at […]

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Investing for success

investing advice

Achieving your goals by weighing the potential risks alongside the prospective returns Successful investing involves making choices that meet your unique needs today and your financial goals for the future. A well-defined investment strategy is one of the cornerstones of a successful financial life. Investing is about building wealth slowly rather than getting rich overnight. It’s […]

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Reasons for investing

reasons for investing

Taking a long-term view to wealth creation Stock markets can be unpredictable. They move frequently – and sometimes sharply – in both directions. It is important to take a long-term view (typically ten years or more) and remember your reasons for investing in the first place. Occasional downturns  Be prepared to view the occasional downturns […]

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Allocating wealth

allocating wealth

One of the most important investment decisions you ever make How you choose to allocate your wealth between different asset classes will be one of the most important investment decisions you ever make. Asset allocation can account for the majority of your portfolio returns over the long term, so it’s essential that you achieve the […]

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Creating an investment strategy

investment strategy

Allow your lifestyle to dictate your investment approach To make the most of your investment opportunities, allow your lifestyle and not stock market fluctuations to dictate your investment approach. Your goals are what count, so keep them firmly in mind when you make financial decisions. Long-term strategy Many investors use a consistent, long-term strategy to […]

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Main types of investment

types of investment

Understanding asset classes There are four main types of investments, known as ‘asset classes’. Each asset class has different characteristics and advantages and disadvantages for investors. Cash This involves putting your money into a savings account, with a bank, building society or credit union. Your money may not hold its spending power if inflation is […]

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New Year’s resolutions

new year financial goals

Setting goals for saving and investing Have you made your New Year’s resolutions? Considering that the most common topics are health and finances, there’s a pretty good chance that at least one of them involves a financial goal. The start of a New Year is the perfect time to take stock and think about how you […]

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Don’t panic


Overvalued Chinese shares come to a shuddering halt after hitting a seven-year peak In August, the Chinese Government attempted to stimulate the economy by devaluing its currency (the Renminbi) and suspending trading on many stocks. The effect of this caused a tsunami throughout both Chinese and global markets, followed by significant falls in global stock […]

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Investing Money

investing money

Investing Six Investment principles to consider WANT TO MAKE MORE OF YOUR MONEY? You voluntarily choose to provide your personal details. Personal information will be treated as confidential by us and held in accordance with the Data Protection Act. You agree that such personal information may be used to provide you with details and products […]

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