Investments
Is Your Portfolio Too American? Why UK Investors Are Rethinking Their US Exposure
For a long time, having a lot of your investments in the US felt less like a risk and more like a reward. American tech giants kept climbing, US markets kept outperforming, and anyone who questioned it was probably just being difficult at dinner parties. But things shifted in 2025. A wave of US tariff […]
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Why Holding Too Much Cash Could Become an Even Bigger Decision in 2026/27
For a while, holding cash has felt like the smart, comfortable option. Savings rates improved, markets were a bit unpredictable, and leaving money where it was didn’t feel like a bad decision. But things are starting to shift slightly. As we move into 2026 and 2027, changes to ISAs and the wider rate environment mean […]
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Is Your Portfolio Ready for 2026? What to Do Before Markets Get Moving
The start of a new year is one of the few moments when markets are relatively calm and investors still have time on their side. In early January 2026, the FTSE 100 pushed through the 10,000 mark for the first time, closing at a record high after a strong run through 2025. That kind of […]
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The ISA Rule Change Coming in 2027 And What It Means for Your Savings
A major ISA shift is scheduled for April 2027, and it will matter to anyone under 65 who prefers to keep the bulk of their allowance in cash. From that date, only £12,000 of the annual £20,000 allowance can be paid into a cash ISA. Anything beyond that will need to go into an investment-type […]
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How Spreading Investments Too Thin Could Be Slowing You Down
Diversification is one of the most repeated pieces of investment advice, and for good reason. But here’s the part that rarely gets mentioned: too much diversification can actually hold you back. Instead of boosting performance or reducing risk, overdoing it can lead to a bloated portfolio that’s confusing, inefficient, and ultimately less effective. The […]
Posted in Financial Planning, Investments
Is Your Portfolio Ready for a High-Interest World?
It wasn’t that long ago that interest rates were barely a blip, close to zero and easy to ignore. Fast-forward to 2025 and the picture looks very different. Rates are now meaningfully higher, and although the Bank of England recently trimmed the base rate to 4.25%, it’s still a world apart from what we […]
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Trump’s Tariffs and Market Volatility: Why Multi-Asset Funds Still Win
Another Trump presidency. More talk of tariffs. And once again, investors are asking the big question: what does this mean for my money? The headlines are noisy, the market reactions are swift and while panic might feel like a natural response, it rarely leads to good outcomes. In times like these, calm and clarity win. […]
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Should You Chase the Next Big Investment Trend?
Why Investors Chase Trends Cryptocurrency booms, meme stocks, AI-driven companies and green energy surges… what next? The investment world is full of buzzworthy trends, and the idea of jumping on a high-growth opportunity is appealing. The fear of missing out can drive investors to make impulsive decisions. But is following trends a reliable way to […]
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Why Doing Nothing Could Be The Best Investment Strategy
Doing nothing might sound like terrible financial advice, but when it comes to the investment game, it could be the best advice there is. Of course, doing nothing comes after you get your strategy off and running, but in this article, we’ll explore the benefits of a hands-off approach for your investment portfolio. We’ll also […]
Posted in Financial Planning, Investments
What is an Investment Philosophy and How Do You Choose One?
Investing isn’t something you do without preparation and careful planning. The most successful investors therefore have their own investment philosophy which is tailored to their attitude to risk, what they want to invest in, and their overall goals. This article will explain what an investment philosophy is, provide some different examples of investment philosophies, and […]
Posted in Investments