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.
We have a wealth of expertise with plenty of financial guidance, opinions, thought pieces, news on business and personal finances and updates on what’s happening at Clarion. We add to these as much as we can so it’s worth a regular visit to this page.
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Where stated, any investment performance figures referred to relate to past performance which is not a reliable indicator of future results and should not be the sole factor of consideration when selecting a product or strategy. The value of investments, and the income arising from them, can go down as well as up and is not guaranteed, which means that you may not get back what you invested. Unless indicated otherwise, performance figures are stated in British Pounds. Where performance figures are stated in other currencies, changes in exchange rates may also cause an investment to fluctuate in value.
As the door closes on another year, it’s an appropriate time to reflect on the past months and look forward to the possibilities that lie ahead. As with any year, 2024 saw a mixture of good and bad news for the world at large. With more conflicts than at any time since World War II […]
Category: Our team news
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