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What will 2019 bring?

A New Year is often a time of reflection on the year that has ended and what the forthcoming year might bring (the fact that we have arbitrarily decided this

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Financial Assets AND Human Assets

In financial planning, it is very common to spend considerable time on financial assets (savings, investments, pensions and property etc). As financial planners, we analyse these, recommend the most suitable,

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The Only Free Lunch In Investing

Harry Markowitz who founded Modern Portfolio Theory called Diversification “the only free lunch in investing”. What does this mean though? For me, a good way to explain this is diversification

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The Value of Guessing

When building a financial plan with my clients, there are many assumptions which underpin it (investment returns, inflation, longevity, income, expenditure – the list goes on). The chances of all

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Enlightenment Now

Around a year or so ago I recommended a book called Progress by Johan Norberg. Well, I have recently read another book which is on a similar theme but is

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