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St James Place's new fee structure. What has changed?
SJP's long-awaited new fee structure has finally arrived. We examine what has changed and what potential clients need to be aware of.
13 hours ago7 min read


St James Place: Fees, performance, and what you should be asking
Reports of St James Place's poor performance and high fees regularly feature in the press. Is this criticism justified?
Jul 1016 min read


The S&P 500 lost decade - how to protect your retirement
The S&P 500 has generated strong returns over the past 15 years. But should you invest all of your retirement savings in this index?
Jun 238 min read


Is the 4% safe withdrawal rate still valid for UK retirees - part 3?
In part three of this series on the "4% rule", we look at how investor behaviour might impact sustainable portfolio withdrawals.
Jun 25 min read


Is the 4% safe withdrawal rate still valid for UK retirees - Part 1?
Are you using the '4% rule' for taking retirement income? In this series of articles, we investigate the many challenges to consider.
May 299 min read


Do Autocallables have a place in your retirement portfolio?
Autocallables are often sold as a way of receiving a steady income with limited downsides. We investigate to see if there are downsides.
May 2011 min read


The "No-Brainer" portfolio - a stupid idea?
Surely successful investing outcomes require complexity? The No-Brainer portfolio shows why this isn't necessarily the case.
May 56 min read


Ten tips for investing success in 2025
Investing is simple but not easy. We identify ten things to consider that will help you have a better retirement outcome in 2025.
Apr 303 min read


The Pain Index: How much can you take?
Investors are understandably often unnerved when encountering periodic market turbulence. We put recent events in context.
Apr 136 min read


What bonds should I include in my retirement portfolio?
Bonds are a key building block in a retirement portfolio. We evaluate how different bond styles influence portfolio outcomes.
Apr 126 min read


Apples to oranges? What to consider when evaluating bond funds
As with equity funds, it's important to consider the various factors that drive returns when evaluating bond funds, including credit risk.
Feb 44 min read


Bonds: How bad have the last five years been for my retirement portfolio?
Bond investors have endured a challenging few years. We analyse historical market returns to put recent events in context
Feb 35 min read


How exposed is my portfolio to the U.S. stock markets?
We select a range of portfolios, examine how they are exposed to U.S. markets and the simple steps to increase portfolio diversification.
Nov 12, 20244 min read


Renaissance Technologies. The greatest hedge fund of all? Updated for 2024
We examine what many consider the greatest hedge fund of all time: Renaissance Technologies. What's its secret?
Sep 8, 20247 min read


Book Review: 'Smarter Investing' (4th Edition) by Tim Hale
Tim Hale's book gives you all you need to build a robust portfolio, taking you all the steps from the evidence to actual implementation.
Sep 8, 20243 min read


Factor investing hasn't worked for 15 years. Why do we still use it?
We take a deep dive into all things factor-related. Performance over the last decade hasn't been great. So why do we stick with it?
Jul 29, 20249 min read


Are stock markets efficient? No, but they are for you!
Market efficiency is often talked about in binary terms, being described as "efficient" or "not efficient". Our view: "It's complicated!"
Jul 29, 20247 min read


Investing: what is working now? Summer 2024 edition
We examine recent investment trends over the last few years and use the Scoville scale to compare their relative "hotness"
Jun 20, 20245 min read


Could a star fund manager send your retirement into a black hole?
Investing your retirement portfolio with "market-beating" star fund managers can seem very appealing. Does the reality live up to the hype?
Jun 10, 20248 min read


The most efficient way to blow up your retirement plan
In a perfect world, retirees would hold diversified portfolios, pay low fees and not misbehave. How might things look in an imperfect world?
May 26, 20248 min read
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