Category Archive for "Savings"

Property Asset Finance Financial advice

Inflation and Investments

Inflation is basically another word for price increases.  Its opposite is deflation.  Inflation matters because it influences the cost of goods and services and hence how much income we need to support our lifestyle. Measuring inflation In principle, you can…

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Rose on the tombstone

Death is free but dying can be expensive

These days, funeral music can go way beyond traditional hymns like Abide with Me, but out of all the songs you might want to choose for your funeral, possibly the most appropriate would be the 2015 hit by LunchMoney Lewis…

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Cheerful fit women sitting in the yoga class

Women are building wealth not saving it

According to the Global Wealth Report (GWR), women now hold about 40% of the world’s wealth.  In other words, they are tantalisingly close to achieving wealth equality with men.  While this is, of course, cause for celebration, there are two…

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What causes stock-market volatility?

If you look at a long-term graph of any stock market, especially ones in mature markets, then you’ll probably see a long-term upward trend.  Look a little closer, however, and you’ll see that the nice upward line is actually a…

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Investing is like gardening, it takes time

Trading is all about timing the market. Basically, it’s the old adage of “buy low and sell high”, but applied to the stock market. There’s nothing inherently “right” or “wrong” about the strategy, but it does carry a couple of…

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Glass globe with North America and business papers

The importance of thinking global about asset allocation

Before the internet went mainstream, it could be extremely difficult for smaller-scale investors to access international markets at all, especially ones at the greatest distance from their country of domicile.  There were numerous practical barriers in the way, such as…

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Summer piggy bank with sunglasses on the beach

Everything you need to know about ISAs (in 2019-2020)

ISA stands for Individual Savings Account and the basic idea behind them has remained largely the same since they were introduced.  Essentially, they’re a tax-efficient way of saving and/or investing.  For adults, there are currently five types of ISAs.  These…

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Soldiers march in formation

Practical financial management for new recruits to the armed services

Starting a new job can be an exciting, not to say nerve-wracking, experience for anyone, especially if it is your very first job (or at least your very first proper adult job).  Joining one of the armed services can be…

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Young blonde toddler holding piggy bank very happy pointing with hand and finger to the side

Saving For Junior

Sending a child to school for the first time is a significant milestone in many ways and, if truth be told, one of those ways is financial.  Even though childcare costs may still be an issue, especially in the school…

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Little girl with a piggybank sitting at a table and making a thu

Understanding your options for saving for your child’s future

As the old joke goes – parents keep photos in their wallets because it fills up the space where their cash used to be.  All joking aside, one of the many shocks of new parenthood is discovering that children typically…

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