True lifelong financial planning for the serious business of life.
True lifelong financial planning
for the serious business of life.
True lifelong financial planning for the serious business of life.
True lifelong financial planning
for the serious business of life.
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The Clarion Investment Committee met on 11 December 2024. The following notes summarise the main points of consideration in the Investment Committee discussions but have been updated to include commentary on recent events and the wider implications for financial markets. Commentary For the second year in a row, global equities are on course for double-digit […]
Category: Financial Planning
Economic update Early December saw the UK energy price cap raised for households, coming into effect in January. Consumers may not feel it, but we are lucky. Industry has no such protection and faces the highest cost for electricity among our peer group. Looking at the latest government statistics, the UK is a clear outlier […]
Category: Financial Planning
Financial planning is about helping you to live the life you envision and achieve the goals that matter most to you, all of which require a specific amount of money. That figure is known as your “number”. Your number represents the total sum you need to achieve complete financial independence without work, retire with confidence, […]
Category: Financial Planning
When he wasn’t busy developing theories and proofs that undergird humankind’s understanding of physical reality, Albert Einstein took time to appreciate more comprehensible matters, such as compounding returns. The great scientist is said to have proclaimed, “Compound interest is the eighth wonder of the world. He who understands it, earns it. He who doesn’t, pays […]
Category: Financial Planning
The Clarion Investment Committee met on 21 November 2024. The following notes summarise the main points of consideration in the Investment Committee discussions but have been updated to include commentary on recent events and the wider implications for financial markets. Economic, political, and business snapshot Economics Early estimates of business activity in November from surveys […]
Category: Financial Planning
“Watch your thoughts; they become words. Watch your words; they become actions. Watch your actions; they become habits. Watch your habits; they become character. Watch your character; it becomes your destiny.” Laozi, born 4th Century. Ancient Chinese philosopher and author of the Tao Te Ching, the foundation text of Taoism. Economic update November, and the […]
Category: Financial Planning
American economist Harry Markowitz famously said, “Diversification is the only free lunch in investing.” Portfolio diversification refers to the process of allocating your investments across a range of asset classes, regions, or sectors. The “free lunch” comes from the protection and growth potential offered by this approach. Market performance is notoriously difficult to predict due […]
Category: Financial Planning
Ensuring your estate is sufficient to support your beneficiaries after you die is likely a key component of your financial plan. Regularly reviewing and updating your estate plan helps ensure it aligns with your current wishes, assets, and any tax reforms. The Labour government’s Autumn Budget introduced significant Inheritance Tax (IHT) reforms, including: Freezing the […]
Category: Financial Planning
I wanted to let you know that Clarion Wealth Planning is entering a period of transition, beginning with my decision to sell a portion of my shares in the company. As a founding member of the Institute of Financial Planning – now part of the Chartered Institute for Securities & Investment (CISI) – I founded […]
Category: Financial Planning