How much investment risk can you handle?
In spite of all the media headlines surrounding the Bank of England’s decision to raise interest rates, the fact was that the raise was only 0.25% and that it brought the base rate up to just 0.75%. Even assuming that banks passed on the rise in full to both borrowers and savers, it still isn’t exactly a huge gain for [...]
Is your house a terrible investment?
The state of the housing market possibly comes second only to the weather as the most regularly-discussed topic in the UK. Topics are many and varied and can get very emotional, especially when it comes to the issue of property investment. While some people believe that there is no such thing as a bad property investment, others believe that property [...]
Free investing apps for UK-based investors
Even though the internet has made the world more global, there are still a lot of local variations and we suspect that many people in the UK will have experienced the frustration of undertaking an internet search, seeing some great results, then realising that they were only available in the U.S. (or at least only actually worked in the U.S. [...]
Investment Paradigms
There are some golden rules of investing which have long stood the test of time and which look set to continue holding true long into the future. Here are three of them. Fees and charges matter - a lot It may seem surprising to put this rule in first place, but it is actually a massively important one and it [...]
3 things that won’t change in wealth management
Although the term “wealth management” is relatively modern, the concept of wealth management has arguably been around for as long as the concept of wealth. In the old days, ministers advised kings how best to manage crown funds (with varying degrees of success), these days, financial advisors advise individuals how best to manage their private funds (ditto). As the old [...]
Feel the volatility – and do it anyway
Stock market volatility can make for compelling TV, both entertainment and documentary, but the reality is actually very mundane. Volatility happens so investors just have to learn to deal with it and, as the cliché goes, keep calm and carry on. If that sounds like a classic example of “easier said than done”, then here are some points which might [...]
HULL BASED DEVELOPER
A well-established customer in the Hull area is providing a “fitted out” Boutique Hotel ready to lease. The requirement for £250k of facility to purchase various items from multiple suppliers using Asset Finance. There were two key difficulties; the timing of the deal coincided with the customers accounting year end and the accounts were initially in draft form, then, the [...]
Learn to love volatility
People who are not used to being on boats may find that the constant up-and-down motion makes them feel seasick. Those who are used to boats, however, just accept this movement as a fact of life. In much the same way, people who don’t really understand the stock market may fear its volatility, whereas more experienced investors just see it [...]
The most costly mistake investors can make
Successful investment basically involves analysing hard data through the prism of human judgement. This means that there are two prerequisites to successful investment, one is good data and the other is good judgement. Investors have to rely on companies for the former (supervised by auditors), the latter comes from them. Part of good judgement means avoiding mistakes wherever possible and [...]
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