S&P 500 Index Hits Milestone of Five Thousand
The main American index, the S&P500 reached a record close of over 5,000 last Friday. Yet again strong performances from the Technology sector led the charge and sentiment improved as company announcements of share buy backs increased by 10% compared with this time last year. It suggests corporates are happier with the state of the […]
Stubborn Inflation Slows Market Rally
Global stocks lost some of their upwards momentum as hotter than anticipated inflation reports dampened expectations of interest rates cuts ahead of key central bank meetings this week. The blue-chip S&P 500 and technology focussed Nasdaq indices gained 0.6% and 0.5% respectively. On Tuesday it was revealed that annual US consumer price inflation unexpectedly accelerated […]
Why Do We Encourage People to Save Early?
Saving money earlier in life can have several advantages. Here are a few reasons why it is beneficial to start saving at a younger age: It’s important to note that it’s never too late to start saving, and even small contributions can make a difference over time. However, starting early gives you a significant advantage […]
What Insurance Do I Need?
When it comes to financial planning, different types of insurance serve different purposes. While critical illness insurance can be valuable, the importance of each insurance type may vary depending on a clients individual circumstances and priorities. Here are a few key insurance types commonly considered in financial planning: Whether clients need critical illness insurance depends […]
Preparing for a Liquidity Event
What is a Liquidity Event? A liquidity event is a way in which investors or shareholders can convert their investments or shares into cash. This can happen through an initial public offering (IPO), a merger or acquisition (M&A), or a sale of the company to a strategic buyer. Investors in private companies such as venture […]
Deconstructing structured products
Structured products are intricate financial instruments. They are curated by investment banks to offer investors the potential to access specific risk-return traits that are typically not accessible through standard, individual financial assets. Ultimately, these are derivative-based products, meaning options, futures, swaps and other complex instruments are pieced together to imitate the returns of a bespoke […]
Saving vs investing: the cost of inaction
Savings and investing are two wealth-building concepts that are required for a financially secure future. While they’re often conflated, the two are very different. The main thing that separates them is risk: savings are a way to hold onto your assets with minimal risk, whilst investing strives for more growth in exchange for taking on […]
5 traits of our most successful clients
Change and uncertainty is, ironically, the only constant through time, and with so many distractions, it can be challenging to find a routine. However, there is one thing that successful people rely on to carry them through. That is discipline. As the saying goes, “discipline will take you places motivation can’t”. Being self-disciplined means having good […]
Why succession planning is not just for the wealthy
Much like most of the public has yet to create a will, most entrepreneurs have no succession plan in place. This might be because they have no family or because they don’t know where to start. But, often, it comes from the perception that succession planning is reserved only for high-net-worth individuals. The challenges of […]
The importance of financial well-being for employee productivity
When the rising use of food banks and personal debt dominates the news, it may be easy to forget that white-collar workers also endure financial stress. When around 25-40% of employees from wealthy countries like Switzerland, Singapore, and the UK live paycheck to paycheck, it’s clear that financial stress isn’t just a poverty issue. This stress carries over into their […]
