Here we explore some of the new things we face as we grow older; providing care for our parents, writing a eulogy and more.
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Dr Harry Markowitz received the 1990 Nobel Prize for Economics as a result of his 1952 paper that defined Modern Portfolio Theory (MPT).
MPT has incorrectly been migrated from its intended use in the fund industry to investment planning for individuals: we provide Markowitz’s own evidence of that error.
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Research from the actuary Lane Clark & Peacock assessing modelling of retirement portfolios alongside consideration of relevant asset allocations for decumulation. It also outlines their thinking on why the heuristics on spending rules and portfolios need to be updated.
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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?
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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.
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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.
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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.
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Learn more about how much money you will need and how long it’ll last in retirement.
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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.
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We took a look at what people see as their ultimate bucket list and were amazed at the sheer scale and diversity of what we found. Travel featured very highly and shows some commonality of destinations but for everything else the choices are endless.
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When peace was declared in 1945 the resulting rise in the birth rate produced a generation who would grow up free of fear and none-too-keen on suffering as their parents and grandparents had done.
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Statistically the most dangerous years of your life are the year you are born and the year you retire! For some stepping out of the rat race brings a sense of relief and opportunity, whilst for others it removes much of what defines them.
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Research from the perspective of a mathematical theorist examining the patterns and behaviours of trust dividend payments to determine confidence levels for future projections via algorithms, and, specifically, the correlations to be found within the trusts. This drills down into the actual volatility of income to determine whether or not the term ‘risk’ is being correctly applied to income streams.
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From an actuary’s perspective, the dividend returns of a pre-selected set of investment trusts are analysed to determine the mathematical relationship between demonstrable historical movements and future projections. It considers confidence levels within set bounds by calculating correlations and measuring causation effects, comparing model forecasts against actual portfolio returns.
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As Financial Advisors we operate in a highly regulated industry and we take our responsibility for looking after your retirement income very seriously. Corporate Social Responsibility (CSR) is a self-regulatory business model which we voluntarily embrace because it’s in our nature to care.
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We believe dividend investing is the best way to secure a retirement income and beats capital investing for capital hands down. 5 of these reasons are exposed in this article.
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