The golden goose of low fees and high yields has been the dream for investors and advisers alike and a common way to try and achieve this has been to predict the markets. However, in reality, this is akin to trying to predict the lottery.

The government will increase your State Pension for every week you defer it. You delay, they pay. This increase amounts to 1% for every 9 weeks you defer or 5.8% per year. But is it worth it?

A very simple rule that is very important – investment returns are not symmetrical; if you have an investment that falls 20%, it has to then grow by 25% just to get back to where you started.

In our everyday course of business we are constantly assessing investments, and we abide by the rule that if it sounds too good to be true, it probably is. That said, we believe there are three simple concepts you can employ to potentially earn the same return with less risk.

As in every industry, the number of financial planners claiming to be experts are endless, but in reality, very few will give clear, personalised expert advice to those who are not planning investing with gold bars and computer code and mid-Atlantic hotel rooms.

Learn more about how much money you will need and how long it’ll last in retirement.

Investing might seem simple…buy low, sell high right? In reality, investing is a road riddled with potholes and cracks and successfully navigating it isn’t as easy as it might seem.