Welcome our blog. This is where we share thought-provoking, no-holds-barred opinions and commentaries on all things retirement income, financial planning and investing!

The art of delivering negative alpha

One area we looked at in the latest multi-asset fund research is whether multi-asset managers can justify their existence (and high fees), by pointing to the alpha they generate. This is the return they can bring in, over and above the market portfolio. To illustrate...

The Multi-Asset Fund Gravy Train

In the late 1600s, William III introduced the so-called Window Tax, a levy on people living in homes with more than six windows, a crude measure of prosperity at the time. To avoid this tax, some homeowners responded by bricking up all windows except the six! As the...

Spotting the equity market bubble

Everywhere you turn these days, there’s talk of asset class ‘bubbles.’ Apparently, we’ve got a bond bubble. An equity market bubble. A property price bubble. A Bitcoin bubble. Oh, and a passive fund bubble! Hell, we’ve got a bubble of bubbles! It’s not hard to...

Calm after the storm for SIPP providers?

They say time flies, but in financial services, it does so at the speed of light! And what a difference a year can make! This time last year, the FCA introduced new capital adequacy requirements (PS14/12) for SIPP providers. As we anticipated in our last SIPP...

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