April 26, 2024
Investment: The Benefits of Starting Early

While the most obvious potential benefit from starting early with regular investments is enhanced returns, there are many other factors to consider. Naturally, as investors, our focus tends to be on short-term returns. Only when you look back and consider annualised returns over a longer period can you begin to grasp the real benefits of […]

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April 5, 2024
Why is the Bank of England so Important to Personal Finances?

While many people associate base rates with their mortgage rates, the devil is in the details. To understand the direct relationship, it is essential to appreciate the Bank of England's role and why it is so crucial to businesses and individuals. Setting interest rates UK base rates currently stand at 5.25%, with expectations that we […]

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March 6, 2024
How the Gender Pay Gap is Impacting Pension Income

The fight for equal opportunities in the workplace is far from done, and a recent report by Scottish Widows showed how the gender pay gap impacts pension savings. When you consider that people could be paying towards their pension for 40 years or more, what may seem relatively small differences today can have a considerable […]

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February 1, 2024
The Pros and Cons of Consolidating Your Pensions

Pension consolidation is probably not at the top of your financial to-do list, another of those topics that can be revisited at any time. Is there any urgency if your funds are invested and you're receiving your annual updates? When you begin to look into pension consolidation in a little more depth, you will notice […]

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January 8, 2024
Markets To Keep An Eye On In 2024

Over the last few years, one thing has been evident: financial markets quickly adapt to changing environments, some of which have been dramatic. As we move into 2024, when looking at your investments, it is essential to consider the broader situation, and then we can start to dig down into the individual sectors. Global economies […]

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December 4, 2023
Investment: Comparing Systematic and Unsystematic Risk

When considering any investment, it is essential to recognise that without risk there is unlikely to be any return.  For example, while Treasury bonds are often recognised as the gold standard of investment, they can create a return because there is a risk that the government may default, no matter how small the chances. On […]

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November 9, 2023
International Schools, Universities and the Importance of Fee Planning

Since moving to Thailand in 2009, I quickly became aware of the cost of education as an expat. I spent many years, to some extent, shocking people as to just how much it would cost to send their children through school and then university. When Peyton was born, I then experienced firsthand just how much […]

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October 3, 2023
The Significance of Wealth Management: Why Expert Help Matters

Managing wealth effectively is more critical than ever in a world of financial complexities. It's not just about accumulating assets; it's about securing your financial future, achieving your goals, and ensuring a legacy for future generations. This is where wealth management plays a pivotal role.  In this article, we'll delve into the intricacies of wealth […]

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September 17, 2023
The Growing Influence of APAC Economies

Amid the ongoing Covid pandemic, it is easy to overlook the significant changes in the makeup of the global economy. We tend to assume that the US and the expanding EU will become more dominant, but this does not appear to be the case. Instead, there is strong evidence to suggest that over the next […]

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August 31, 2023
Navigating financial hurdles in an ageing APAC population

In general, global life expectancy has been increasing gradually for decades. Aside from a dip as a consequence of Covid, the impact of enhanced healthcare, diet and lifestyles has been positive. This is even more evident in the Far East compared to the likes of Europe and the USA.  Today, global life expectancy stands at […]

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