The three risks underlying retirement planning is longevity, inflation and investment risk. As a retiree you have no control over your longevity and the inflation risk. If only we knew when our time was up planning would be easy. Just
Why does nobody believe the published inflation rate? I will attempt to answer this question by explaining how inflation is calculated. The inflation rate refers to the annual average rate of increase in prices represented by a basket
If you are disappointed with returns from your investment portfolio over the last quarter, then that probably means you have a well-diversified strategy with plenty of exposure offshore. If that’s the case, then you shouldn’t worry too much about the
The strength of a countries currency can be viewed as a proxy for the price of the country. Just like with any investment you must differentiate between price and value. Price is what you pay and value if what you
At gym the other day a local minister mentioned that he regularly read my article. He questioned me on the difficulty of selecting a new topic each week. His passing words were, “at least you know how we ministers feel
A while ago I wrote an article trying to explain why lower interest rates should drive up asset prices. I quite sure you won’t remember the article as you probably fell asleep while reading it. The article explained how future
At the risk of committing career suicide I would like to admit the following. I have no idea the affect Trump will have on our share market over the next few months……I can hear the response “What! You don’t know.
The following is an extract from client feedback written for an offshore client invested in a portfolio of multi-asset global mutual funds, which I feel touches on some important investment points for the current investment environment and investment principles in
I vividly recall attending an investor feedback session with a hotshot offshore manager whose fund had performed terribly. After taking some criticism from the hostile audience he totally lost it, raising his voice he stated that “it was only numbers”.
With the US stock market now entering its 9th year in a bull market phase, it’s probably a good idea to reflect on some old age wisdom, which is nicely explained in the following quote; Bull markets are born on