Wealth & financial wellbeing

When we look at an investment portfolio, it is natural to focus on the individual companies it owns. However, knowing which stocks are in a portfolio only tells us part of the story. To understand what is really driving its returns, it can be more useful to look at the characteristics those investments have in common.

Paying less tax is usually a good thing. But not if the saving leaves you with less control over your money, less liquidity or fewer options later. For founders and business owners, it is natural to want to structure things as tax efficiently as possible. Often that is exactly what we should be doing. The problem comes when tax becomes the main reason for making the decision.

Good charity governance today requires trustees to understand a wider range of risks, ask better questions and, increasingly, be able to show how important decisions were reached.

Two themes shaped markets in August: inflation and the outlook for interest rates drove much of the movement in government bonds, while strong company earnings continued to support global equities. In our latest article, we look at what happened and what it could mean for investors.

What does sustainable income mean in a post-rate-cycle world? This article explores income as only the visible part of the story. The real risks sit underneath.

Ever noticed how the urge to chase a popular trend or bail out during a downturn always feels like the smart move in the moment? This piece breaks down the psychology behind those instincts - and why fighting them can be the key to better long-term investment returns.

For many founders, the period immediately after a liquidity event, be that a trade sale, management buyout or a substantial dividend, feels like the first opportunity in years to pause. Many business owners instinctively adopt a temporary holding position.