I’m an investor. Get me out of here!As individuals, we each have a unique approach to investing. Yet many of us are unaware of how our behaviour and our biases can affect our financial goals. In times of distress, we can all too easily let our emotions get the better of us, allowing impulse to…
Although at times distressing, the ups and downs of investing are simply part of the journey and something any good financial plan will consider. It is always very difficult to approximate when things will fully recover following a fall but the history of falls and crashes can tell us a lot about the relationship between…
Spotlight on… Technology with Neil Harding, Clever’s Lead Developer Neil Harding, Lead Developer at Clever talks tech with us and about the past, present and the future. Q: When did you join Clever? I joined in October 2013, seven years ago or so, and at the time I was the sole developer. When…
In this article we question the reliance on market research and analysis by the investment industry and advice market. As technology develops, opinion matters less and the facts build the only story we need to listen to. The reality is that things change. That’s a fact of life. And it’s especially true for technology affecting…
A good time to be diversified Diversification is one of the most important components for reaching your long-term financial goals whilst reducing risk. Diversification is a technique used to reduce risk within a portfolio by allocating capital across various financial instruments and asset classes (Equities, Bonds, Property etc). This is ever more important in the…
Buy Low and Buy High: Don’t time the market, you’ll miss the good stuff ‘Buy low and sell high’ is possibly the oldest and most famous adage in investing. The panacea of making money in the stock markets. Incredibly easy to say, not so easy to do. It all comes down to timing. Timing the…
Reflecting on the past to build the future What I’m writing to you about today is what we can learn from the past, what our traits are as human beings and what the future might bring. Or put another way – history, anthropology and future opportunities. Let’s start with history. V-J Day Celebrations Church bells rang out in celebration. People of…
Virus vs Markets There is an unfortunate history of epidemics around the world, with Coronavirus being the most recent outbreak. Since 1981, there have been 13 major cases recorded globally, with the MSCI World Index falling 9 out of 13 times (69% of the time) in the month following the outbreak: Source: Charles Schwab,…
Both sides of the coin This article looks to recap on the highs and lows of 2019 and what we can learn from what we have seen and heard across the industry. Against a strong and stable market backdrop that saw global equity markets continue to march higher and higher, the year came with a…
Say Ta-Ta to Time Honoured Traditions From men in stuffy suits to penny-pinching portrayals of misers, accountancy has always suffered a chronic lack of glamour. Despite sky-high professional entry requirements, critical business processes and big salaries, it’s always been the boring big brother to the pace, luxury and sheer sexiness of banking. After all, while…
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