The University of John Hopkins recently conducted research into the returns on offer to investors. Between 1900 and 2017, the average annual return on stocks was around 11% and, even after adjusting for inflation, that average annual return only fell to 8%. It shows that, for longer-term investors, staying the course is the best port…
A client once remarked that it would be good if we had a crystal ball for their finances. A good point well made, so we went and bought one from Amazon, which still sits on a windowsill in the office. It looks good but has never proved to be entirely reliable. Cashflow forecasting, on the…
Holding cash on deposit is a necessary part of the financial planning process. There are always unexpected twists and turns that life throws at us, so the general rule of thumb is to have two to three months’ living expenses saved in an instant access account, just in case. Is Cash King? When it comes…
When times are good and confidence is high, pretty much anybody should be able to generate reasonable returns. However, in turbulent times such as these, having the support of a trusted adviser who you can rely upon to help, advise and guide you can really start to pay dividends. We see many people who have…
