Portfolio Construction

Cash flow, or the ability of a business to generate cash, is one of the most important factors for success in business. With interest rates at rock bottom levels, access to cheap capital has rarely been more available, but successfully deploying that capital to generate cash is the real measure of a business’s success. A […]

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

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

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

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

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

When I was a small child, I was once given a £50 note for Christmas by my paternal Grandfather and it was more money than I’d ever seen in one place. He wasn’t (and still isn’t) a wealthy man, but he’d saved up for a few months so that all his Grandchildren could each have

For nearly two years, I’ve been writing about personal finance. Admittedly, I’ve taken the odd break here or there, but who doesn’t get busy? One of my latest projects had me so busy in May and June that I barely had time to eat and sleep. As I started to feel the usual symptoms of

When making an investment in a business, it’s essential to understand that you’re becoming a part-owner of that business. Whenever you make an investment, you weigh up the chances of the business in question returning a greater sum of capital than you originally invested. I was recently asked how I go about weight up this

When I first started renting, I was asked to provide a ‘guarantor’ of security before my landlord would take me on as a tenant. Being young and lacking experience, I called a relative, got their agreement to use them and then thought no more about it. Essentially, I was offering a ‘guarantee’ that if I