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Market Commentary

 
 

Mutual Funds: Total Cost of Ownership

Mutual funds have many costs, all of which affect the net return to investors. One easily observable cost is the OCF. Like the list price of a car, the OCF tells you a lot about what you can expect to pay for an investment strategy. OCF strongly influence fund selection for many investors, and it’s easy to see why.

August 8, 2019
 
 
 

How do Currency Returns affect my International Investments?

Many investors take a global perspective when building portfolios to achieve their investment goals. With the potential benefits of an expanded opportunity set and increased diversification comes exposure to foreign currencies. Currency returns can be volatile, creating winners and losers. While there is little evidence that currency movements can be predicted, investors still want to know about whether to hedge their currency exposure.

August 1, 2019
 
 
 

The Brexit effect on the markets may surprise you

It’s three years since Britain voted to leave the EU. And what’s happened since for investors highlights that you need to be careful about who you listen to, and what you take away from them. People like to give predictions about the future, but none of us know what will actually happen. That includes politicians, think tanks, bankers and economists.

After the referendum result, a lot of people predicted that the stock market and the property market would crash. And when those people are on TV and in the national press, they have strong credibility. They seem trustworthy. But a lot of predictions are built on opinions. And that means they’re not always right. Read this article to find out exactly how the stock market has performed in the last 3 years.

June 25, 2019
 
 
 

Spring statement and the economic outlook

I was speaking with someone recently about their financial planning and they were really concerned about Brexit. The media’s aim is to get you to buy their paper or stay on their website, and worry makes us do just that. If they told you everything was fine, you wouldn’t pay too much attention. But articles portraying the concerns around Brexit get people to focus… and worry.

It can be hard to see through the headlines; there’s an editorial slant on all the news we read, see and hear. Let’s try to take the emotion out of the subject – regardless of whether you feel Brexit is a good or bad thing – and look at what’s happening in the bigger picture.

March 20, 2019
 
 
 
Financial crisis 10th anniversary

Déjà vu All Over Again

Investment fads are nothing new. When selecting strategies for their portfolios, investors are often tempted to seek out the latest and greatest investment opportunities. Over the years, these approaches have sought to capitalise on developments such as the perceived relative strength of particular geographic regions, technological changes in the economy, or the popularity of different…

March 11, 2019
 
 
 
 
 
 

Brexit & Exchange Rates

It’s predicted that the pound could slide further against the euro because of Brexit. But if you look back over the past decade of exchange rates between the two currencies, the reality is a little different than some headlines would have you believe.

December 14, 2018
 
 
 

Christmas markets aren’t the only ones to watch

If you started getting financially organised using my book this year, then you should have set yourself some outcomes in January. Those following the plan should have financial foundations in place, including a will, lasting power of attorney and an emergency reserve of cash. Some people will be in the phase of paying down their debt; others will be considering investments and saving for the future, which often means investing in the stock markets.

November 28, 2018
 
 
 
 
 
 
 

Buy to Let continues to slow

In recent weeks there have been rumours, originating initially from The Sun , that the Treasury is contemplating a fresh increase in stamp duty land tax (SDLT) on buy-to-let (BTL) properties. The idea comes at a time when SDLT receipts are showing signs of flagging.

August 28, 2018
 
 
 
 
Warren Buffett

The Warren Buffett Million Dollar Bet

Last year saw the conclusion of a 10-year wager between Warren Buffett, chairman of Berkshire Hathaway Inc., and Ted Seides, a New York hedge fund consultant. Seides responded to a public challenge issued by Buffett in 2007 regarding the merits of hedge funds relative to low-cost passive vehicles. The two men agreed to bet $1…

February 20, 2018
 
 
 
stock market

Volatile markets and a sunny economy

Although we have experienced a little volatility in recent weeks, the overall outlook for the economy looks pretty sunny, more than I can say for the weather outside my window!  But hey, my wife keeps reminding me it’s February what do I expect!  So the overall economic outlook should support equity prices for a while, particularly if investors take…

February 19, 2018
 
 
 
 
 
 
Personal Pension

Half Way Point of 2017 Check In

The first half of 2017 is over, where did that time go!  The last 6-months marked the end of another politically turbulent period in the UK. The view across the six months belies the upheaval that took place: the most widely quoted yardstick of the UK stock market, the FTSE 100, nudged up a little…

July 19, 2017