Expert Opinion

EWM portfolio and funds review | Spring 2017

Jonathan, May 16th, 2017

In our last blog, we wrote about behavioural biases and how they can affect us all as investors by pulling us off course if we succumb to their siren call. Let’s face it, if we wanted to, we could find plenty of reasons in the 24 hour news feeds every day to […]

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These foolish things…

Dominic, April 26th, 2017

As investors, we have to contend not only with the erratic and unpredictable nature of markets but also the erratic and irrational way in which we think and behave. ‘‘If I have learned anything in my 52 years in this marvellous field, it is that, for a given individual or institution, the […]

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Why Does Diversification of Investments Reduce Risk?

Jonathan, March 8th, 2017

Diversification helps you protect invested capital If you’re thinking about investing money, the chances are that you’ll have encountered the term “diversification” but might not know exactly what it means or why it’s important. Why does diversification reduce risk? While diversification may sound like a fund manager’s buzzword, it’s actually a crucial […]

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Pension Investments: The Rules and Regulations Explained

Dominic, February 3rd, 2017

Understanding pension investments The security of a state pension can tempt many people into putting off personal pension investments. But the sooner you start saving, the better off you will be when the time comes to retire, enabling you to enjoy your retirement with friends and family and save for essential outgoings […]

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If I were a rich man…

Jonathan, February 1st, 2017

We tend to assume that wealth is accumulated over time, often growing fastest in the later working years. Yet, in a broader sense, we are all born with wealth in the form of human capital, which represents the value of the earning potential that we have over our working lifetime. As younger people have a long time to go before they will need the money, the advice they receive is often that excess earnings should be invested predominantly in equities. A subtler approach takes into account the attributes of each person’s human capital which ranges from bond-like to equity-like in nature.

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Will I Have to Pay for My Care Home?

Jonathan, January 6th, 2017

Understanding the cost of care homes As time goes on, financial planning for the future becomes more important. For those of us looking to ensure we’re comfortable into our later years, calculating the cost of care homes is an essential part of that planning. It may seem far off for some, but […]

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What is Annuity? And How does it Work?

Dominic, January 4th, 2017

What is annuity: getting the most from your life savings What is annuity? We all know we should save a pension when we can work so that we can afford to live comfortably when we don’t. It’s generally understood that we each have a pot, amassed over the course of our working […]

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Findings from the FCA’s Asset Management Market Study

Jonathan, December 19th, 2016

Active vs. Index Investments Back in the day active fund managers were all there were – you called the stockbroker who managed your portfolio. But then came the Big Bang. Computers were brought into fund management and the automated tracker fund was born. As technology became progressively better, many started to become […]

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Supporting Base 33 This Christmas

Dominic, December 16th, 2016

Base 33 works with vulnerable and disadvantaged young people in Witney and West Oxfordshire. They support young people with a wide range of issues for as long as they need help focussing on drug use, homelessness and unemployment with mentoring, training and emotional support.

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A Comprehensive Guide to Funding for Care Homes

Dominic, November 22nd, 2016

Are you worried about funding yourself or a loved one in care? While many people dream of a wonderful retirement on the high-seas as the cruise liner sails into the setting sun, spending their time sunbathing on a Mediterranean beach, or playing as many rounds of golf as they can cram into […]

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I wanted to say a big thank you to Jonathan on behalf of the family, and especially from my Dad, who would have been so very pleased with the final outcome of the estate. This year should see the family able to draw a line under the estate and to continue life with the loving memories of our parents. A sincere thank you. We could not have done it without you. A.B. (Abingdon)
T: 01993 772467      F: 01993 775067      E: advice@expertwealth.co.uk

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