‘Retirees will outlive their savings by a decade’ declared the World Economic Forum in a recent report entitled ‘Investing in (and for) Our Future.’ The research upon which this claim was founded looked at life expectancy and retirement savings across six major world economies. The good...
A recent study has shown yet again that most active multi-asset fund managers don’t add any value through their asset allocation and fund selection. In fact, they detract from it. The 2019 instalment of the FinalytiQ Multi-Asset Fund Report is an in-depth analysis of 89 fund...
Investing can often be confusing and even intimidating. The endless jargon used by financial professionals is unintelligible to the common person. The media does not make it easy either. We are bombarded by headlines on the minute-by-minute movement of the stock markets. One day, the...
The number of investment failures that have hit the headlines in recent weeks is a reminder of the value of good financial advice. Earlier this year, London Capital & Finance (LCF) collapsed after Financial Conduct Authority (FCA) launched an investigation and forced the firm to suspend...
Legendary singer Aretha Franklin died in August 2018. While the world grieved, and mourned the passing of the Queen of Soul, a legal battle was brewing amongst her family members. Ms Franklin didn’t have a will, which means that her reported net worth of $80 million...
The fear of dying is high on the list of people’s biggest fears. But for most of us, this fear is unfounded. Thanks to medical advances and improvements in social welfare, we are living longer. Retirement income planning is particularly challenging because we are...
In 2016, a total of 40 million commercial passenger flights landed safely at their destination. Ten, tragically ended in fatal accidents. However, of course, this 0.000025% were the ones journalists wrote about. The following year, according to the Aviation Safety Network – an organisation...
History doesn't repeat itself, but it often rhymes – or so goes the saying. It is a common saying in financial services that for investments, past performance is no guide to the future. There is a lot of truth to this, especially when it comes...
After six consecutive years of positive returns, in 2018 the UK stock market declined by 9.5%, while the global stock markets declined by about 3%. A careful observer might argue that a ‘correction’ was long overdue, given the generous return of prior years. However, that hasn’t...
As we’re sure you know by now, diversification is a hallmark of our investment, not just across asset classes but also across geographies and risk factors. We implement this idea is through diversification: Across global mainstream stocks, bonds and property shares (known as Real Estate...