Depositphotos_78184236_s-2019

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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Understanding financial products for landlords

These days it’s arguably more important than ever for landlords to do their sums properly in order to be confident that their investments will bring in net returns which justify the risk involved in holding them.  While landlords may, understandably,…

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Young employee with piggybank in pension savings concept

Understanding the basics of workplace pensions

There’s no such thing as a free lunch and you can’t have your cake and eat it. You can, however, make use of tax breaks to reduce the amount of money you hand over to the government and, hence, increase…

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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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Senior couple meeting with real estate agent

The importance of getting good mortgage advice

The more important a decision is, the more important it is to get it right.  For the average person, buying a home, even a starter flat, is a huge financial commitment.  This means that although the difference between the right…

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Happy family having fun outdoors

Protecting your peace of mind

How much value do you place on peace of mind? If you really stop and think about it, you might be surprised by just how much it matters to you. For example, knowing that your loved ones will be protected…

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Couple Celebrating Moving Into New Home With Pizza

The path to picking up your keys

When you’re a child, the first time your parents hand you a house key of your own can be a really memorable experience. As an adult, picking up the keys to your first house can be an even more memorable…

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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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Retirement Financial Plan Risk Assessment Senior Concept

Understanding the value of a pension

There are many ways of saving for retirement, but the option of saving through a pension scheme remains a firm favourite. There are many reasons for this but two stand out in particular. Firstly, pension saving is very heavily promoted…

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Couple talking with financial advisor

Are you coming to the end of your deal?

Special introductory deals can be very helpful, but they run out eventually.  Similarly, fixed-rate mortgages also have a finite run-time, after which you are typically switched onto your lender’s standard product.  Remember that when a financial product comes to the…

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