Some articles by Jonathan

Is Investment Diversification the Right Strategy For You?

Jonathan, October 5th, 2017

All you want is to get a decent return without too much worry, so what is diversification and how can it work for you? Many professional investors are experts in their field. They can specialise in a market and make informed decisions quickly. They buy and sell their shares at exactly the […]

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Your Retirement Fund: What Are Alternatives to Annuities?

Jonathan, September 1st, 2017

What are the alternatives to annuities? Find out the best ways to plan for your retirement fund. The pension funds that an individual accumulates can be used to purchase an annuity from the pension plan provider or similar company. This typically happens during the early stages of retirement. For many people, this […]

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Long-Term Investments: The 4 Smartest Ways to Increase Your Return

Jonathan, August 3rd, 2017

So how do you invest to maximise your wealth in the long run? Here’s our advice for getting the most from your long-term investments. See also: How Deep Is Your Risk? Why Does Diversification of Investments Reduce Risk? What Are the Best Ways to Invest Sensibly? There are many reasons to invest for the […]

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So, it is a hung Parliament…

Jonathan, June 9th, 2017

As dawn breaks, the morning light reveals yet another political gamble that has not paid off for the dice roller.  The UK has a hung Parliament, with no party holding an absolute majority.  Such is the unpredictability of a parliamentary democracy.  If you ask the people of the UK what they think, […]

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Our Comprehensive Guide to Inheritance Tax Planning

Jonathan, June 5th, 2017

Inheritance tax planning is something many people delay thinking about. Even those with a sizeable portfolio tend to neglect this area of their wealth management. However it is important to appreciate: the implications this can have for your estate, the impact inheritance tax can have on your loved ones, and the options […]

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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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Why Does Diversification of Investments Reduce Risk?

Jonathan, March 8th, 2017

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 investment technique that aims to minimise […]

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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

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 essential. It may seem far off, but it’s never too soon to start building up a nest egg for retirement. […]

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Findings from the FCA’s Asset Management Market Study

Jonathan, December 19th, 2016

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 critical of the continuing […]

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Income Tax on Pensions: Investment Allowances & Reliefs

Jonathan, November 19th, 2016

Making the most of tax relief on your pension Most of us pay into a pension, knowing that it’s the best way to secure an income once we stop working. Less widely recognised is that pensions are among the most tax-efficient ways of saving for the future, as you can receive tax […]

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Professional Financial Advice Using a Financial Planner

Jonathan, October 14th, 2016

How can using a financial planner help you? Planning your finances properly can allow you to prepare for all scenarios. One of the tragedies of the recent recession is that people found themselves facing redundancy due to the strain on businesses costs. However if you successfully plan and prepare for all situations, […]

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Personal Tax Advice with Our 2016/17 Tax Guide

Jonathan, October 4th, 2016

Personal Tax Advice As the end of the year draws closer, the thoughts of many business owners and freelancers turns to tax. And for many of them, it’s a burden they could do without. Nobody said tax was an easy subject to get a handle on and you may find evaluating tax […]

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How Will Brexit Affect My Mortgage?

Jonathan, September 13th, 2016

How will Brexit affect my mortgage? Predictions of a housing market price drop as a result of Brexit have sent many homeowners into quiet panic. Many fear that leaving the EU will result in a drop in the value of the pound, a rise in inflation, higher prices for the British public, […]

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Absolute Return Promises – Easy to make, but hard to keep

Jonathan, September 9th, 2016

The combination of short-term market uncertainty, human nature and an immediately attractive sounding moniker for an investment is a marketing man’s dream.  The investment industry has been masterful at constructing and selling such products, not least products with ‘absolute return promises’,  which employ active management strategies that seek to deliver positive (absolute) […]

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How To Find A Financial Advisor You Can Trust

Jonathan, September 2nd, 2016

How to choose a financial advisor Making the most of your finances is much easier with professional guidance. A financial advisor can provide you with a host of services and advice to help you make the most of your assets, both now and for the long term. You can find out all about […]

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What Is A Cash Flow Forecast And How Can It Help Me Save?

Jonathan, August 24th, 2016

What is a cash flow forecast? One of the best routes to strong budgeting and stress reduction is to prepare a cash flow forecast. Kept accurate and up to date, a cash flow forecast will help to inform your spending decisions and flag up future problems before they arise. So what is a […]

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7 Golden Stress-Free Budgeting Tips

Jonathan, August 26th, 2016

It’s easy to get carried away when splashing out. Sometimes even the essentials can be a struggle. If you’re beginning to feel the pinch, here are our 7 golden stress-free budgeting tips to make life a little easier. 1. Save on essentials It doesn’t take much for the weekly food shop to […]

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What Is A Trustee: The Roles & Duties Explained

Jonathan, July 20th, 2016

The role of a trustee may be assigned to you from your closest friends or family. It comes with significant responsibilities and demands the highest standards of probity. The person selected should handle this role with honesty, integrity, and clear judgement. What is a trustee? A trustee is described broadly as an […]

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A lighter look at the European Referendum

Jonathan, June 14th, 2016

With the European referendum fast approaching it is really important for us all to understand the historical significance of political decisions been made in the past and how they might impact us today. As we all know European has a long history involving two world wars, natural disasters, walls going up, walls […]

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This is my first venture into any kind of personal finance. Your candour and patience with me are very much appreciated. A.S. (London)
T: 01993 772467      F: 01993 775067      E: advice@expertwealth.co.uk

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