If you’ve glanced at your portfolio and pondered the meaning of “bonds,” this article will clarify this asset class and how it influences your returns. As a low- to medium-risk investor, your portfolio likely includes a mix of ETFs that invest in both equities and bonds. While equities—also referred to as stocks or shares—are commonly … Read more

Investing can be intricate, but there are fundamental principles that can guide you, no matter if you’re starting with £1,000 or £1 million. Here are six key behaviors that can help you succeed in the long run. 1: Understand the Trade-off Between Risk and Return Recognizing the relationship between risk and return is vital when … Read more

Cash ISAs have become increasingly attractive due to rising interest rates. Should you consider saving in a cash ISA, or would a stocks and shares ISA be a better fit for your financial goals? How Do ISAs Work? Let’s start with the basics. An Individual Savings Account (ISA) allows you to save or invest without … Read more

As the market for exchange-traded funds (ETFs) expands, new products and trends surface regularly. Our investment team outlines their approach to navigating an increasingly crowded marketplace. In the past four years, global ETF assets have nearly doubled, jumping from $5 trillion in 2018 to an impressive $10 trillion by the end of 2022. What Drives … Read more

Volatility is a common term in discussions about investing, but what does it really mean? Can it be avoided? And how should investors respond during turbulent market periods? What is Market Volatility and What Causes It? Volatility refers to the rapid and unpredictable fluctuations in the value of investments, moving both upwards and downwards. The … Read more

Investing inherently involves risk, and gaining a comprehensive understanding of the various types can enhance your effectiveness as an investor. What is Investment Risk? Investment risk refers to the likelihood that the actual performance of your investments will differ from your expectations. In simple terms, it quantifies the chance that your returns may be higher … Read more

Harry Markowitz, the renowned architect of Modern Portfolio Theory, recently passed away at the age of 95. In his honor, we reflect on his principles of diversification that continue to guide investors today, complemented by insightful quotes from Markowitz himself. “Modern Portfolio Theory recommends diversifying with a balance of stocks, bonds, and cash that aligns … Read more

Compound returns represent one of the most powerful yet misunderstood advantages of investing. When leveraged over the long term, they can significantly impact your journey toward achieving financial goals. With compounding, the focus shifts from how much you can initially invest to how long your money has to grow. Maintaining your investment for the long … Read more

Navigating the complexities of UK pensions and retirement planning can be challenging. This handy guide provides brief definitions of essential terms you need to understand, along with links for more information. Annuity An insurance product that offers a guaranteed regular income, typically for retirees, often for their lifespan. Annual Allowance The maximum amount you can … Read more

In our rapidly changing world, where technological innovations and evolving consumer behaviors shape the economy, Thematic investing presents a unique opportunity. Our newly launched range of expertly constructed, globally diversified portfolios invites you to invest in the trends that will define our collective future. Given the enhanced focus on the potential of artificial intelligence and … Read more