Financial Advisers

Portfolio Thinking

Is it time to retire the 4% rule?

Short-cuts have their place. If you can avoid complexity and effort, it makes absolute sense to do so. It gives you time to work on other projects, or in my case re-watch The Treble (1999), reliving the good ol’ days. However, when it comes to retirement income, short cuts may be counter-productive and nowhere is this more apparent than with the 4% rule.

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Portfolio Thinking

How much do you pay for your free lunch?

Diversification benefit is often described as the only free lunch in investing. But not if fees eat half of it right in front of your eyes!

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Portfolio Thinking

Income with a ‘suitability hat’

When looking for income, we know that you face some real challenges in today’s market environment. But balancing the need for income with long-term suitability can result in a thorny dilemma - is it possible to achieve both?

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Portfolio Thinking

Time to stop comparing apples with oranges

IA Mixed Investment peer groups provide an broadly understood metric for comparing multi-asset funds, however, do advisers realise that they're putting client suitability at risk?

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