The individual who says its not possible, should move out of the way of those doing it. Tricia Cunningham, Coach

I have been looking after clients money now for nigh on 30 years and the three words that I  think are the most important words when discussing investments are’ Diversification, Diversification and Diversification.  Harry Markowitz, the American economist, is probably known as the daddy of the concept of Diversification.  In the 1950s he developed a […]

Talking about Inheritance Tax (IHT) (which we weren’t!) it’s now been almost ten years since the nil rate band (NRB) was changed, staying at £325,000 since 2009. But we are in a very different world than 10 years ago and the size of many people’s estates has grown dramatically.  It’s no surprise therefore that the […]

Go as far as you can see; when you get there, you’ll be able to see further. Thomas Carlyle, Scottish Philosopher – 4 Dec 1795 to 5 Feb 1881

Nothing to do with finance but… Here’s something we all know, but is important to be reminded about… Two of the most successful films in the past few years are Disney’s ‘Guardians of the Galaxy’ films. Both have made a lot of money, been widely praised, and have turned the actors into household names. But […]

One of the main safety features of any investment, be it Pension Funds, ISAs or OEICS (Unit Trusts to us oldies) is the ability of the fund manager to diversify his or her portfolio.  Most Multi Asset Portfolios have this facility but that may not be the case with older style Funds where they were […]