Advice to Avoid

The idea that crises only occur once in a generation . . .

. . . is simply not true.

Generation gap

The idea that crises only occur once in a generation . . .

. . . is simply not true.

You may have heard some experts say that . . . the banking crisis (of 2008-09) was the last in a generation Indeed, I’ve heard one financial adviser /educator use exactly that phrase as part of his ‘investment training’ series. So I’d suggest that you don’t take that bit of his course too seriously!

Bubbles, Bubbles everywhere

but not everyone believes they exist

bubbles everywhere

Bubbles, Bubbles everywhere

but not everyone believes they exist

Hey guys, I’ve been updating this warning note for many months now. If you’ve not seen it before – please read it carefully before you talk to your usual financial adviser. And please be especially wary of financial advisers / wealth managers (or bloggers) who tell you to ‘relax’ and ignore the markets. That sort…

It’s OK to miss the best days

Because that story is misleading nonsense

Lies, damned lies and statistics

It’s OK to miss the best days

Because that story is misleading nonsense

If you’ve not yet heard the ‘missing the best days’ story – and even if you have . . . . . . I think we need to look at it again  – and expose it for the nonsense that it is. Before someone tries to mislead you with it. I obtained this image (the…

10 money matters to master

If you want to have more control

GP Doctor

10 money matters to master

If you want to have more control

This is my second Insight on how to approach your financial planning. Here, in this quite chunky post – I’ve outlined ALL 10 of the big financial ‘areas’ of your life – that you may need to address. You might want to check which of these need your immediate attention.

The Nobel name dropping game

Name dropper game

The Nobel name dropping game

Working inside the Financial Services industry for 25 years (and observing it from the outside for another five) I guess I’ve seen most of what goes on there. I know what good (and fair priced) financial products – and financial advisers – look like. And some of those financial advisers are really good at their job….

Why RISK really matters in retirement

So you need to be doubly careful with your money at this stage

Older couple in car

Why RISK really matters in retirement

So you need to be doubly careful with your money at this stage

This updated extract about investment risk is from my first book, ‘Who can you trust about money?’ (2013) It also appeared in Investor’s Chronicle in 2014. See here Since that time, a lot of stock markets around the world have climbed to historical highs (on a valuation basis) so it’s right to revisit the issue…

Financial planning secrets for thirty-somethings

Which also work in your 20s, 40s and 50s too!

Lost with no plan

Financial planning secrets for thirty-somethings

Which also work in your 20s, 40s and 50s too!

Sometimes, something wonderful happens and for me, on my mission to help the world understand financial planing, this week it did. One week ago, a young Irish lady called ‘Niamh’ (who now works in London) posted a simple question about personal finance on Linkedin. So far, her post has attracted c. 6,000 likes and more…

Don’t worry be happy

How's that for investment advice!

Don't worry be happy

Don’t worry be happy

How's that for investment advice!

“Don’t worry be happy” is a cheery little song. But for goodness sake, let’s not confuse it – as some ‘market fanatic’ investment promoters do – with being great investment advice. That, it is not.

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