Joe Jackson 
Pension flexibility has brought a great deal of choice and opportunity to investors. You can take your pension income to suit your circumstances and do not need to be bound by an arbitrary limit. If you want to spend it all on a holiday or a sports car, you can. Equally, you can decide not …
Diversification is a common term in investment circles, but what does it mean, how do we implement it, and why is it important? A well-diversified portfolio can be the difference between weathering the storm in a financial crisis, or sustaining irrecoverable losses. What is Diversification? In certain market conditions, the various asset classes behave in …
To some people, risk means excitement. To others it means danger. Across the diverse range of industries, from insurance to investing, from sports to space travel, the higher the risk, the higher the potential reward. We simply need to decide if the rewards we could gain are worth the possibility of losing something. When we …
As part of a financial plan, protecting your family is one of the highest priorities. You may have insurance in place, but does your policy really give you all the protection you need? While the premiums may be competitive, there could be some vital detail that requires additional planning, or means that another policy might …
When you pay someone to manage your money, the promise of ‘active management’ can be reassuring. It assumes a level of insight and expertise not available to the amateur investor. But active management is not the only option, and sometimes a passive strategy can meet your requirements equally well, and at a lower cost. Active …
In times of volatility, it is all too easy to be led by our emotions when it comes to investing. Investment decisions based on fear, greed and overconfidence in our own judgement are not likely to lead to the best outcome. While most investors would not regard their dealings as emotionally-led, it is important to …
An inheritance usually comes with mixed feelings. While the money can be enormously helpful, grief and guilt can sometimes factor into the decisions that follow. You may want to honour the wishes of the person who passed on, whether that involves saving prudently for the future, or spending the money on a once in a …
Retirement at 60 or 65 used to be the default option, with a lucky few able to achieve financial independence even earlier. With increasing life expectancy, the likelihood is that many of us will need to work for much longer. The State Pension is already set to rise to age 68 and not everyone will …
The concept of buying low and selling high is well known. Achieving this consistently will inevitably result in profit. The ‘secret’ is knowing when to buy and sell. An investor may believe that a particular company is likely to do well following an event in the news. The consensus is that the share price will …
A job for life is no longer the default option. Moving between companies is easier than ever, and it’s not unusual to change careers, even more than once, over the course of a working life. If you set up a new pension every time you move employers, it’s easy to build up half a dozen …
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