What will 2017 hold? Our natural curiosity about the future makes a ready-made market for speculative media articles about events likely to drive financial markets this year. But the assumption driving much of this coverage is that the mere turn in the calendar from one year to the next justifies overhauling your investment portfolio, generating […]
Andy Haldane, the Chief Economist at the Bank of England, complained recently that he did not understand pensions and then, as if to prove the point, went on to suggest that property might provide a better return than pension investment.
The British continue their love affair with being buy-to-let landlords. After all, with bank deposit and mortgage rates so low, and a rapidly rising property market, it all seems so simple: take your cash and make a 20% down payment on a buy-to-let property and borrow the rest at a low rate of interest; then […]
You’ve probably read about behavioral finance research. The conclusion is generally the same, no matter what aspect of our decision-making is being probed: the human mind is hard-wired to process information in certain ways which were extremely helpful when the environment contained gazelles (very tasty!) and saber-toothed tigers (extremely dangerous!), but are not so helpful […]
The Christmas break marks the mid-point for this government and thus Chancellor Osborne is due a half-term report. The usual phrases about trying harder, could do better or has failed to live up to his early promise could all be used with a degree of truth but none would really tell the whole story or […]