How much of your wealth should you hold in cash? Often viewed as the ‘safe’ option that is secure and reliable there is a real danger that holding too much cash will cost you a fortune in the long run as it’s value gets eroded away. t’s easy to see why people choose to hold…
Possibly. Donald Trump’s opinion poll ratings slid below 40% last week, the first time since 2017 pushing the Democrats into the lead. This weakness makes Trump even more unpredictable than normal and he was quick to look for scapegoats, notably the Democrats and China. Despite Trump’s attack, China continued to keep their end of the…
One of the things I’ve done during lock down is clear through my filing cabinet in my office at home and whilst doing so I came across one of my first payslips.
A grand total of £1,035.85 after tax. I distinctly remember thinking how an extra £500/m would feel and how ‘rich’ I would be.
Needless to say that in that time our lifestyle has drifted.
Sometimes deliberately such as having two children, a few house moves and at other times through lifestyle drift.
Even simple things like TV subscriptions. In 2008 we add no Netflix, no Amazon Prime, no Dinsey Plus, no Sky TV.
When it comes to Financial Planning though there a 3 types of drift that are near fatal to your financial planning and each for very different reasons.
Markets are reacting to the ambiguous outlook, reflecting the current macroeconomic uncertainty and unclear guidance on the next phase of combating the virus.
Uncertain remains for the short term and we are not out of the woods by any stretch and so a careful and evidence based approach to investment management remains prudent.
Recent weeks have seen various dire predictions for the state of the UK economy following the coronavirus crisis.
But how bad could things get for UK plc?
According to a new study, the size of the UK economy could shrink by 20% *if* the lockdown remains in place for a year.
What unites JK Rowling, Rob Brydon, Jeremy Vine, Krist Novoselic(the bassist from Nirvana), Slash from Guns ‘n Roses, Dr Dre and nearly ONE million people in the UK?
The prospect of businesses reopening after the lockdown is great news for the economy and jobs, for a daunting prospect for many parents.
It can be hard to juggle work with parenting responsibilities, especially during this pandemic where traditional childcare options are few and far between.
With this daunting prospect ahead, charity Citizens Advice has published guidance for parents to help them understand their options.
Spending habits are changing in the isolation economy, with a shift in spending focus during lockdown.
New research from Legal & General and the Centre for Economics and Business Research (CEBR) found that spending habits in the isolation economy have changed by as much as £12.9 billion a year.
This shift in spending habits is largely as a result of our increased spending during the lockdown on four key categories at home.
This week is Dying Matters Awareness Week; an awareness campaign which focuses on a range of issues around death, dying and bereavement.
Death and dying is, sadly, something on the minds of tens of thousands of families across the UK, as the coronavirus pandemic continues to dominate our daily lives.
since their nadir on the 23rd March 2020, Equity markets have paid little heed to the deteriorating economic fundamentals, with MSCI ACWI up +18.2% and the S&P 500 up +21% in GBP terms. In the riskier Fixed Income markets, we have also seen a strong rally in High Yield Bonds from their lows, although this is arguably not as over-extended as the Equity markets. As we celebrated Victory in Europe Day over the Bank Holiday weekend, it has begun to feel like a phoney war mentality has taken over the markets – one that may collide with reality in due course. While the rally demonstrates the necessity of maintaining market exposure through all stages of a cycle, we remain neutral on Equities at this point.