Category: Uncategorized

The current government lockdown due to the coronavirus has brought into sharp focus the fact that many people in the UK literally live from hand to mouth each month. Millions of working renters are just one pay packet away from losing their home. With little…

If you are a young person reading this blog, by which I mean anyone born after 1994, then you are highly likely to face a very prosperous future indeed. I know this isn’t what the media tells you and it will appear to be counterintuitive…

Under auto enrolment virtually all employers have to offer pension scheme membership to most, if not all, of their staff. There are large penalties for those employers who a) do not offer an auto enrolment pension to their staff and b) who break the rules…

The new wave of startup companies on the banking scene can’t be found on the high-street – they’re in your pocket.  Buoyed by relaxed regulation and the growing shift of people using their phones to do their banking, these branchless, mobile-only banks are seeking to win…

Now that a New Year is upon us, the making of a New Year’s resolution to get your finances in order could be very timely indeed. Of course not only is it a new year but also the start of a new decade. The twenties…

I first became aware of the potential of digital advice, better known as robo advice, about 5 years ago when attending an investment conference on ETFs in Amsterdam about 5 years ago. Jon Stein, the founder of US robo advice company, Betterment, was a main…

There has been a pretty nifty app available since 2016 called Moneybox. It isn’t exclusively available for Millennials but it will be particularly of interest to people in this age demographic.   So, what is Moneybox?   Moneybox is a savings and investing app that…

Albert Einstein once famously said that compound interest is the most powerful force in the universe.  He said, “Compound interest is the 8th wonder of the world.  He who understands it, earns it; he who doesn’t, pays it.” Einstein suggested that compound interest can work…

When I was on holiday recently I took the opportunity to read a book called The Little Book That Still Beats the Market by Joel Greenblatt.  It was a fascinating read. Basically, Joel Greenblatt discovered that companies that met certain criteria produced returns that were…

I keep hearing and reading stories that young people are no longer able to buy properties, yet all around me I know a number of young people who have bought, or are about to buy properties over the last 12 months. So how have they…