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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August 1, 2023
Financial Advisers, Clients and Critical Emotional Support

If you asked ten people to describe the role of their financial adviser, you would receive several variations. In a world of new technology, innovation and fast-moving markets, independent financial advisers are more valuable than ever. They provide a balanced approach to all areas of finance, personal, business and investments. However, a recent survey by […]

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July 3, 2023
The Digital Revolution: APAC Region Leading the Way

The underlying strength of the APAC economy is well documented; expected to go from strength to strength in the short, medium and long term. Recent events suggest that the technology sector will be one of the main drivers, with the region set to become THE global technology hub. We will now look at the foundations […]

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June 6, 2023
The Benefits of Teaching Your Children Finance

Ironically, we teach children and young adults various subjects in school that they are unlikely to require in their everyday lives. Yet, we have topics they will come across daily that they need to learn after leaving the education system. To put this into perspective, when was the last time you used Pythagoras's theory or […]

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May 2, 2023
Is it Time to Revisit Far East Emerging Developing Markets?

Thankfully, there are a few bright spots for the global economy amid uncertainty regarding interest rates and inflation. While many economies experienced a rebound in 2022, the prospects for 2023 and 2024 are mixed, to say the least. However, a recent report by the IMF suggests it may be time to revisit investor exposure to […]

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March 2, 2023
ETFs v Mutual Funds

The financial sector is constantly moving and evolving at a lightning-fast pace. In recent years we have seen significant changes and developments, such as the introduction of Exchange Traded Funds (ETFs). Due to often similar investment goals, many people are now questioning the value of mutual funds against ETFs. There are various issues to consider, […]

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December 14, 2022
Markets to Keep an Eye on for 2023

It looks like 2023 could be a challenging year for the worldwide economy and stock markets. Amidst the cost of living crisis, brought on by historically high inflation and rising energy costs, many countries are set to dip into recession. According to research, the average recession lasts around ten months, with the stock market said […]

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November 8, 2022
Behavioural Tips: Dealing with the Volatile Investment Markets

Since the US subprime mortgage crisis began in 2007, there have been numerous financial challenges for investment markets. We have seen the Covid pandemic, tensions in Ukraine, double-digit inflation and an ongoing cost of living crisis. It is fair to say that this has tested the nerves of many investors. So, how do you cope with volatile investment markets?

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October 18, 2022
What to look for when appointing a financial planner

The perfect financial advisor should be able to help you all the way into adulthood, but this isn't always the case. Let's examine the distinction between a financial advisor and a financial planner. What characteristics should we be on the lookout for in a financial planner?

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September 7, 2022
What lifestyle and targets are achievable when you have a well thought out long-term financial plan?

In order to achieve long-term financial security, it is vital to have a long-term financial plan in place. This will be supplemented by short-term financial targets, which will be the stepping stones to long-term financial goals. However, it is just as important to recognise that short, medium and long-term financial goals can be adjusted over time. Life doesn’t remain static, you may have noticed!

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August 2, 2022
Reasons To Stay Calm During Bear Markets

Bear markets are part and parcel of investing. It’s that simple. And while it’s understandable to get nervous when bearish trends happen, history has shown that they don’t last forever.
Here, we’ll examine bear markets of the past to contextualise today’s economic uncertainty. We’ll explore how long bearish trends have historically lasted, how long the current bear market is likely to continue, and the bear market opportunities available to investors.

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July 1, 2022

WHY DOLLAR COST AVERAGE? Pretty much the hardest part of investing isn’t actually picking good investments (though it’s still important, and not easy) – it’s the psychological side. In turbulent markets like we’ve had recently, resolve is tested.  “Is my strategy right?”  “Do I take money out?” “Is now a good time to invest?” The […]

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June 1, 2022
5 Reasons to Use a Financial Advisor

Knowing why and when to use a financial advisor can be difficult. Many people wait until they have become wealthy to get advice and come into money, often through inheritance or the sale of a business. But there are many more everyday reasons to bring in the support of a professional financial advisor.  Wealth is […]

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February 7, 2022
Are the Market’s Good Times Over?

It probably hasn’t escaped your attention that markets have been turbulent this year, and with this period of volatility giving investors pause for thought, I have found myself wondering “how long will this bearish, flighty mood last?.” Even for financial professionals (sometimes especially for us!) this type of widespread market weakness tests our ability to […]

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December 17, 2021
Four Reasons Why Timing the Market is not a Good Idea

Investing involves risk. In some cases, risk can be reduced by timing the market instead of jumping in blind. If jumping blind – basically investing without doing any research at all - is ever acceptable it’s when the stakes aren’t too high, a bad outcome won’t impact negatively on your lifestyle, and you’re buying a […]

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July 5, 2020
Global Stocks Poised to Cap Best Week in a Month

Overnight Asia US and European stock futures were flat on Friday, with global stocks poised to cap their best week in a month as improving economic data provided solace against an acceleration in infections in the US. Contracts on the S&P 500 were little changed after the Index rose in the wake of a stronger […]

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July 2, 2020
US Equities Advanced to Close Out the Best Quarter Since 1998

Overnight Asia Equity futures dropped and Asian stocks traded in a muted fashion at the start of the third quarter, as investors assessed mixed data on the global economy amid concern over the Coronavirus spread and Sino-American tensions. Shares fell in Japan on low volumes, with sentiment capped as confidence among large manufacturers in the country […]

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April 19, 2020
Understanding market volatility

Investing is about making your money work harder for you. We believe it should be simple and rewarding. It can be worrying when stock markets go down. These guides will help explain what to do - and what not to do - during times of uncertainty. Putting time on your side This guide looks at […]

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November 22, 2019
Tidying up your pension - Should you merge your pensions into one pot?

Many workers approaching retirement age have probably worked for several companies in their lifetime, and with it, contributed towards several pensions. Employees don’t always understand work pensions and assume they lose it or forget about it when they change jobs. The burning question is whether it is advisable to consolidate all these pensions into one […]

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November 18, 2019
Global shares: US, Europe better on US-China trade headlines; Asia mixed

Fidelity International Global recently published this article today, (November 18, 2019). US markets US equities rose Friday after upbeat comments on prospects for a US-China trade deal from White House economic adviser Larry Kudlow. The Dow industrial average and the S&P 500 both rose 0.8 percent, and the NASDAQ gained 0.7 percent. Kudlow said the […]

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November 13, 2019
Spending habits of expats

As an expat in a new country, you are living the dream. Your salary is often much higher than back home and you are exposed to a higher quality of life. It is very easy for new expats to go on a spending spree when they first receive their expat salaries. They want to experience the local […]

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