2020-02-28T10:42:42+00:00June 5th, 2019|

This time, it’s about the destination

The prospect of winning or losing can have a great impact on our emotions. Whether we’re looking at casinos or coin flips, evidence suggests our rational decision-making is frequently overtaken by intuition – a process much more open to emotional influence.

For investors, the possibility of gains and losses is often a daily occurrence. We explain one method to steer investors on the more rational path to help achieve both financial and emotional well being.

2020-02-28T10:42:56+00:00February 15th, 2019|

Are we nearly there yet?

The relentless, thundering rumble of a rocket blasting into space is more than just a spectacular sensory overload. It is the result of planning, scientific know-how and management applied to achieve a goal. We think science and goals matter when it comes to investing too. “Are we nearly there yet?” explains why they are so fundamental to successful investing.

2020-02-28T10:43:10+00:00November 13th, 2018|

Dive in or dip a toe?

Investing large single sums in volatile markets can feel like a leap. An alternative to making one single investment is to spread it over time, known as phasing. It is often deployed as a means of reducing the risk of investing ahead of a dip in the markets. It can feel reassuring to a first time or cash investor for whom phasing addresses the obvious emotional cost of short term drops in value. Here we look at whether phasing actually achieves what it sets out to do.

2020-02-28T10:43:27+00:00August 7th, 2018|

Is passive aggressive?

If you wanted to make money from the next World Cup would you place bets on the teams you think have the best players or would you buy shares in FIFA?

The debate on whether active or passive investments are the best way to participate in the market rages on, with strong arguments on either side. We take a data-driven look at the evidence and how both active and passive can have a place in investment strategy.

2020-02-28T10:43:45+00:00May 3rd, 2018|

The risk of first impressions

… Or the first impressions of risk? It’s human nature to make snap decisions about new people we meet.

When it comes to investing, how we react to first impressions matters too. We explore why it pays to look beyond short term market dips, and the importance of focusing on long term returns.

2020-02-28T10:44:52+00:00February 7th, 2018|

Bitcoin or Big con?

The buzz surrounding Bitcoin has grown to new levels in recent months. But is it a new currency and could it possibly turn into an asset to rival the likes of gold? Is it worth investing in Bitcoin?

We give a balanced, simple-terms explanation of Bitcoin’s origins, its rise from obscurity and what the future might hold for cryptocurrencies.

2020-02-28T10:45:01+00:00November 1st, 2017|

The hidden risk of cash

Investors, flesh and bone ones at least, have a tendency to hoard cash due to an innate aversion to loss.

Whether it’s stuffing money under the mattress or leaving large deposits untouched for years in a bank account, we explore both the obvious and hidden risks associated with such behaviour.

2020-02-28T10:48:25+00:00September 7th, 2017|

Why diversification is a ‘free lunch’

At some point, we may have all been tempted to pour savings into the next hotly-tipped success story such as ‘‘Amazon’’ or ‘‘EBay’’. Bar for the lucky few, investing in just one stock can prove to be very costly. In a field of thousands of companies, investors are faced with the significant risk of picking future losers, rather than one of the few elusive winners.

Here we investigate how diversification of investments, can help maintain the balance between investment risk and potential returns.

2020-02-28T10:48:38+00:00May 25th, 2017|

Why staying unemotional pays off

It is a natural instinct to panic when times get tough, with regards to life or investing. This article looks at what flows of money in and out of funds tell us about investment behaviour during periods of increased market volatility. In particular, we illustrate how acting irrationally can lead to poor investment decisions and possibly even losses.

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The value of investments and the income arising from them can go down as well as up and is not guaranteed, which means that you may not get back what you invested. Past performance is not necessarily a guide to the future. The information contained in this website does not constitute advice. The FCA does not regulate tax advice. The FCA does not regulate advice on Wills and Powers of Attorney. The Financial Ombudsman Service is available to sort out individual complaints that clients and financial services businesses aren’t able to resolve themselves. To contact the Financial Ombudsman Service please visit www.financial-ombudsman.org.uk.