Earlier this month, I was talking to a friend about financial literacy and they were telling me that they felt ignorant of so much of what was available to them regarding their finances. They’d set themselves some basic goals – they want enough money to be able to provide a good education for their (as […]
In a previous article, I wrote about the importance of financial literacy – the idea that we can all invest in our understanding our finances. Pick up the average piece of investment literature however and you’ll be bombarded with complicated language, complicated graphics and a probably a general feeling that you can’t quite follow what’s
In numerous previous posts, I’ve written about my preference for income-generating investments, but I’m aware that not everyone has the time (or interest) to actively manage their portfolio. Earlier this month, I was approached by a London-based wealth manager who was pitching for my business. They offered to conduct an initial review (with recommendations) for
Effective planning is the key to making the best use of your time and juggling multiple priorities. In this article, I share tips on effective planning.
There are many shocking statistics that highlight the seriousness of the financial illiteracy crisis in the UK. Recent reports produced about our country’s financial literacy highlight that only 38% of people understand inflation, more than 30% of people fail to carefully consider purchases, and that the average pension pot in the UK stands at less
In an article I wrote earlier this month, I examined portfolio construction and some of the different assets I use to create a diversified stream of income. In today’s article, I’m looking at high yield bonds (sometimes called junk bonds), which are an asset class I use to boost the yield of my portfolio above
Passive investing, usually entailing the purchase of low-cost index trackers and Exchange Traded Funds, has seen a massive boom in popularity since the financial crash. Numerous financial wizards, including Warren Buffet and John Bogle, have advocated for passive investing, arguing that it’s far more suitable for the majority of investors than active share trading. The
Small cap is a term used to identify company stocks with a relatively low market capitalisation, or the tradeable value of its outstanding shares. The definition of small cap varies among investors, but it is generally considered to be a company with a market capitalisation of less than $2 billion. To calculate a company’s market capitalisation, multiply its
When constructing your portfolio, it’s important to remain diversified, but how much attention are you paying to the detailed structure of your portfolio? The process of putting together a grouping of investments that make sense requires more than a little attention, but what should remain is a collection of assets that generate a healthy return
I’ve written before to advocate the acquisition of income-producing assets. With the collapse in interest rates around the world, yields have fallen, creating artificially inflated demand for dividend-paying stocks over bonds and cash savings. Investors have a range of passive income vehicles to choose from. This diversity can make choosing the right one a daunting
Why quality of income is as important as quantity Read More »
For as long as Donald Trump has been in office – possibly as long as he’s been running for office – he has been dogged by scandal and rumour, and more chaos than Armando Iannucci’s The Thick of It. Since being inaugurated on January 20th, 2017, he has; Fired a set of ambassadors and the
I see investing as a constant opportunity to learn and improve my financial understanding of the world. For the last few weeks, my friends have heard me talk about an investment I made which went south big-time a few weeks ago, losing 75% of it’s value almost overnight. The investment was in international facilities management
The ultra wealthy, known as Ultra High Net Worth Individuals (UHNWIs), are wealth holders with a personal net worth of at least one hundred million pounds. Their wealth consists of public and private company shares, real estate investments, and personal investments, such as fine art and jewelry, cars and designer clothing. These individuals understand the
Six mistakes that Ultra High Net Worth investors know not to make Read More »
Despite our lack of financial training and advice at school, the internet is awash with financial gurus teaching different systems and techniques for financial success. From paying off debt, to reducing spending, to investing like the next Warren Buffet, there is no shortage of useful, well-written articles available for an interested reader to dive into.
Income producing assets are a great addition to your portfolio. The only problem is that they’re often prohibitively expensive to acquire. I don’t know about you, but I certainly don’t have £500,000 lying around to acquire ownership rights over a successful business. But what if you didn’t need the money right now? What if you
Using Seller Financing to Acquire Income Producing Assets Read More »
