Budgeting: the key ingredient to your financial success
Budgeting is a core skill which should be taught to every child from an early age at school. It is a critical habit to get right and to get used to doing regularly just like brushing your teeth daily is a good habit. So where…
How to inherit wealth tax efficiently
If you are from one of the pre-baby boomer generations, X, Y or Z, you are likely to be one of the lucky people to share the inheritance of an estimated £5.5 trillion from the older generations between now and 2047. Yes, you read it…
The ever increasing importance of Ethical, Social and Governance policies for businesses
Companies’ good Environmental, Social and Governance policies, ESG, are more important than ever today. This is because increasing numbers of investors, especially Millennials, expect the companies they invest in to be true advocates of ESG rather than simply paying lip service to it. The concept…
Is now the time to invest in bitcoin?
I first invested in bitcoin in the Autumn of 2017. The price of bitcoin had been rising very fast and I planned to ride the wave with a small number of my investable assets. The return was remarkable. I gained 100% in about 4 months….
Why it is more important than ever for the younger generation to build their own financial independence
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…
The bright financial future of the younger generation
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…
How to maximise pension benefits from your employer
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…
Are challenger banks the way forward?
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…
Make getting your finances in order your New Year’s Resolution
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…
Why digital advice might be right for you
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…
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