Friday, February 05, 2021

Bitcoin and Bandwagons

Over the past few weeks and months, it may have appeared that making big money in markets is easy – just buy Tesla or Bitcoin and you are ... Read More >>

Tuesday, September 01, 2020

Avoiding the lazy tax

Too many people pay the Lazy Tax. Read on to find out what is being taxed and how to avoid paying the Lazy Tax.  Read More >>

Wednesday, July 22, 2020

Budgeting in Hong Kong

Your budget is an essential part of your financial plan; trying to navigate your financial life without a one is like getting on a plane without a ... Read More >>

Thursday, July 09, 2020

Passing it on

A look at estate planning with a focus on taxation for those with a UK connection either presently or expected in the future.  Read More >>

Friday, June 26, 2020

Taking the Easy Wins

Expats in Hong Kong have some financial planning easy wins that need looking at. There are a couple of exercises we recommend to our clients and co... Read More >>

Wednesday, June 10, 2020

Financial Plan

When most people think “Financial Plan”, they just think investment strategy, and even for most financial advisers, wealth managers, IF... Read More >>

Tuesday, May 26, 2020

Waiting for the storm to pass

Why we suggest you "Do Nothing" rather than make a knee jerk reaction when reacting to media noise around market up and downs.  Read More >>

Tuesday, May 12, 2020

A Guide to Spring Clean Your Finances

The Japanese kanji for crisis comprises two symbols: one representing danger and the other ‘opportunity’. With the world staring into t... Read More >>

Saturday, April 18, 2020

Wills and Guardianship

In these times people focus on matters that are important but not always top of their 'to-do' list. Here we look at the importance of Wills... Read More >>

Tuesday, April 14, 2020

The Needle in Goldman Sachs' Haystack

Picking Stocks is a popular service by many. Here we look at the recent success or otherwise of one of the largest in the business,  Goldman S... Read More >>

Friday, April 03, 2020

Who Packed your Parachute?

Ever wondered why short-dated quality bonds are included in your portfolio? In short, they are there to protect the portfolio when markets head ... Read More >>

Friday, March 27, 2020

Rebalancing – do I really have to?

Most human beings find it difficult being investors, especially when markets are volatile. To keep your portfolio at your target risk budget (60:40... Read More >>

Friday, March 13, 2020

What You Should Do in Response to Market Volatility

It's been a wild few weeks in the market as investors try to gauge how the coronavirus will impact global growth and corporate profits. When st... Read More >>

Saturday, February 29, 2020

Coronavirus COVID-19 – Maintaining Perspective

World news has never been more on tap. We all connect to news, social and other online media throughout the day. By and large this is a positive th... Read More >>

Thursday, January 02, 2020

Financial Best Practices for 2020

2020 is off and running. Here are our easy to execute financial best practices for 2020 and beyond. Taking note of one or all the suggestions will ... Read More >>

Monday, December 16, 2019

Dust, Noise and Focus

In our fast moving 'always on' world it is ever more important to focus on what you can control and to think and worry less about what you ... Read More >>

Friday, December 06, 2019

déjà vu - Bricks and Mortar Property Fund Suspensions

An obvious liquidity mismatch exists between a fund investing directly in ‘bricks-and-mortar’ propertie... Read More >>

Tuesday, December 03, 2019

Star Manager's going Supernova

Fund managers that reliably outperforming are few and far between, difficult to identify in advance and ultimately destined to stop outperforming &... Read More >>

Thursday, October 03, 2019

If it ain’t broke, don’t fix it...

Now, what if we asked how long you could go without being moved by the latest headline news? Impeachment unrest, Hong Kong protests, Brexit stress,... Read More >>

Wednesday, September 18, 2019

Brexit and your Portfolio

It’s yet another big week on the Brexit journey. This weeks’ drama focuses on the Supreme Court where judges will determine the legalit... Read More >>

Thursday, August 15, 2019

Note to Self: 10 things to remember as and when markets fall

Owning equities in portfolios is not easy.  Yet, the very nature of the uncertainty of outcomes is why decent ... Read More >>

Thursday, August 01, 2019

How long is long term?

For many investors – particularly those in retirement - the question ‘how long is long-term? could also be translated as ge... Read More >>

Tuesday, June 11, 2019

The Pain and Pleasure of Diversification

The fall of Neil Woodford has some powerful lessons for us all. Diversification is on of the most important elements of successful investing, somet... Read More >>

Wednesday, June 05, 2019

Neil Woodford a Lesson in Humility

It's an important time for retail investors, one that will change the retail investing landscape for the better. Here we share with y... Read More >>

Thursday, May 23, 2019

How to decide whether to trust an adviser

There are two elements to trusting an adviser. The first is a conscious decision: Is the adviser competent? The second is sub-conscious: Does ... Read More >>

Monday, April 15, 2019

How to Choose a Financial Adviser

A good adviser will save you a lot of money and potentially a lot of worry. Choosing one is not easy and requires some work, but it is worth the... Read More >>

Monday, April 08, 2019


There’s a war on for your attention and the biggest casualty is often your precious time. Constantly updating media, 'helpful' apps a... Read More >>

Thursday, March 28, 2019

Costs and Helpers (part 3)

You would think that any reasonable person would be acutely aware of the need to keep investmnet costs down. You might also reasonably expect that ... Read More >>

Wednesday, March 27, 2019

Costs and Helpers (part 2)

Warren Buffet’s annual letter to Berkshire Hathaway investors is always worth a read; they are often entertaining and always informative to a... Read More >>

Tuesday, March 26, 2019

Costs and Helpers (part 1)

Investment costs must be reduced where possible as any savings will compound in the investors favour over time. Costs are one investment variabl... Read More >>

Wednesday, March 13, 2019

Should I pay Voluntary National Insurance Contributions whilst residing in Hong Kong?

Paying your UK National Insurance (NI) contributions while you’re offshore makes complete sense. Doing so mea... Read More >>

Monday, February 18, 2019

In Retrospect

There are so many investment-impacting behavioural biases. Some biases are more significant (or harmful) than others; hindsight bias can be especia... Read More >>

Thursday, January 24, 2019

Resist the call of the Siren

We all get emails suggesting that active managers can beat the market (or their very specialist bit of it). The evidence suggests otherwise and the... Read More >>

Thursday, January 17, 2019

John “Jack” Bogle

Take a moment to step away from the daily turmoil, and honour the life of one giant man. John “Jack” Bogle.  Read More >>

Wednesday, January 09, 2019

The usual mixed bag

What if Charles Dickens had begun his classic “Tale of Two Cities” as follows: It wasn’t the best of times, it wasn’t the w... Read More >>

Tuesday, January 01, 2019

Six Financial Best Practices for 2019

Are you ready to get a jump on 2019 Here are six financial best practices for the year ahead. Pick a few of them or take on the entire list. Eit... Read More >>

Monday, December 24, 2018

The Norway Model - what investors can learn

Investors like to copy the investment strategy of well-known fund managers. Others try to emulate the endowments of top American universities. But ... Read More >>

Wednesday, December 05, 2018

The sky is falling!

Just like Henny Penny (aka Chicken Licken) headline-grabbing yield curve commentary somehow sounds important, doesn’t it? But what is a yield... Read More >>

Thursday, November 29, 2018

Put the kettle on!

Everyday, we get helpful suggestions on how best to invest our money and what we should be doing to our investments ‘armed’ with the... Read More >>

Tuesday, September 25, 2018

Active Managers have a problem keeping it up!

"If you as an investor would like to have a top quartile investment return over the next decade: index" Sage advice from Charlie Ellis, r... Read More >>

Monday, September 10, 2018

Dangers of Headline Investing

Investing with one eye on the news headlines can be a hazardous occupation. We risk acting on news that’s already priced in, or making lon... Read More >>

Tuesday, March 20, 2018

Fund Managers Rarely Outperform

Browse the money section of your preferred weekend newspaper and you would be forgiven for thinking that fund managers routinely beat the market.&n... Read More >>

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