The asset allocation or the investment mix of a portfolio is designed to meet an appropriate risk profile of an investor and typically consists of Global Equities and Global Bonds. Rebalancing a portfolio is the process of bringing the current asset allocation back into line with the original or intended asset allocation.

The Great British Public has long had a love affair with bricks and mortar, witness the continued (if waning) popularity of buy-to-let. It set us wondering what the last decade revealed about the returns from UK residential property compared to UK shares.

With the end of the tax year just a few weeks away, here are my top 10 tips you can benefit from.

Before I became a financial planner, investing was all about making money and buying a ‘hot stock’, 25 years later, I reflect on my naivety and appreciate how others may also be thinking this and asking themselves what is the right way to invest?

Over the years there has been so much research in how stock markets work, this makes sense since there’s a lot of money at stake, it seems sensible to understand it.  You’re unlikely to trust your neighbour on medical decisions, preferring to rely on a qualified doctor, so why would you trust your neighbour over your qualified financial planner, or what some of the leading business schools have been telling us for decades, on investment decisions?

A defined benefit pension is the gold standard of pensions, the scheme promises you a guaranteed income at your agreed retirement age for the rest of your life, the amount of income you receive will rise in line with inflation and the amount you receive is based on the number of years you were a member of the scheme and your pensionable salary.

These schemes offer benefits, which for the majority of cases mean that they are best left alone until your scheme retirement date, however, if you wanted to retire early, should you take benefits early?

If you started getting financially organised this year, then you should have set yourself some outcomes in January. The Money Plan is a book and a system I created to getting people on track, which includes splitting the year into quarters where you can ‘check in’ to assess your progress towards your goals. By Q4, […]

This short video clearly explains why were believe in using the Index Funds rather than Active Fund Management.

In most cases, the answer to this question is more than you’re putting in now! The minimum that you should be putting aside for your retirement plans, if you’re free of unsecured debts like credit cards and loans, is 12.5% of your income.

The government has launched a new savings scheme called Help to Save.  The new scheme was initially trialled in January 2018, then rolled out in stages and is now available to all those who are eligible. The savings scheme offers a free bonus on your savings, so it makes it even more attractive than a […]

In the US, the third Thursday every October is Get Smart About Credit Day, and we should piggyback on that here. It could be called Get Smart About Debt Day, because that’s exactly what credit is, it’s not our credit, it’s our DEBT!

Whatever you want to call it, use the day to begin the process of climbing out of debt with my simple tips.