We are pleased to announce that we have featured on the Citywire New Model Adviser Top 100 2018 list for the second year running.
Over the course of this quarter we aim to help you understand why you might want to invest, where returns come from and the dangers you need to be looking out for. Part 1 covers the difference between saving and investing, and some ground rules to help guide you through the maze of money management.
Following a sustained run of positive returns across equity markets (arguably 9 years), last week saw a return of the ‘V’ word. Volatility has always and always will be with us, and as long as markets exist there can be no returns over and above the risk-free rate (call this the returns from cash deposits) without risk. This is what markets do; as sure as night follows day.
As a financial planning company advising many small and medium sized business owners (SME’s) this is probably the most asked question we get. Most SME owners have a deep attachment to their business as it was them who grew the initial seed from a fledging idea, invested their own capital in the project and took significant risk to grow the company or partnership in to a profitable enterprise.