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!

Robo-advice and the art of growing customers for the competition

Robo-advice and the art of growing customers for the competition

‘We have been growing customers for General Motors’ observed Lewis Crusoe, a vice-president of the Ford Motor Company in the 1950s. Mr Crusoe was talking about a well-known problem at the company; low-income Ford owners were trading up to a medium-priced...

Will the FCA’s inducement rules kill off on-platform tools?

Will the FCA’s inducement rules kill off on-platform tools?

Should advisers use free – but often inferior – tools offered by platforms and product providers, or should they pay for best-of-breed, independent tools available in the marketplace? This debate has raged among advisers for a long time. The FCA might have...

Cobras, Unintended Consequences & Multi-Asset Funds

Cobras, Unintended Consequences & Multi-Asset Funds

Today, we publish our Multi-Asset Fund Guide 2018 titled Dysfunctional Families. This guide is an in-depth analysis of 91 fund families consisting of 402 individual funds in which a £148bn of client’s money is invested.   The story of the cobra in India during...

Living on planet GARS: Lessons in how (NOT) to invest

Living on planet GARS: Lessons in how (NOT) to invest

A recent article in the Guardian is the latest indictment of the Standard Life GARS fund. The fund has underperformed virtually all imaginable benchmarks over the last three and five years. 3-Year Cumulative Return 5-Year Cumulative Return Is it just me or does anyone...

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