Articles

Quarterly Market Overview – January 2015

Looking back twelve months we expected returns to be lower than 2013, and volatility to continue. We also added a caveat that ‘unknown unknowns’ could impact on returns.

Investing, investing, investing and risk……

Investing seems like one of the easiest things to do……we read the papers, we see the case studies and everyone makes money…Combine this with saving money by cutting out the middle man (financial planner) it makes perfect sense that direct platforms are enjoying a halcyon period of growth.

Blown to Rouble

Question: "so who saw this coming?" Answer: "absolutely no one!" So an "unknown unknown" has been wreaking some havoc in markets over the last week in oil, the Russian rouble, energy stocks, energy service stocks and in the last few days the market as a whole.

99 Problems (but the rich ain’t one)

I'm happily back from a whistle stop tour of Sri Lanka and enjoying the fact that most peoimple in the UK are not living in tin shacks or rough on the streets (it really is an eye opener every te you see such living conditions).

Why are we scared of risk?

Every day we take risk; as a cyclist as soon as I get on the bike I take a risk. I can reduce that risk by introducing elements of safety (helmet, lights, reflective clothing etc) but the fact is that around 96 cyclists are killed each year. Even car drivers take risk and around 800 car drivers (or passengers) are killed each year. On their own these figures may seem high but as a percentage of all deaths in the UK these figures are relatively low (total deaths are around 490,000).

The setting or rising of the Sun….

If the Yen weakens then unless a fund uses a mechanism called hedging then any growth will be lost. In 2012, Abe swept into power with a super majority. This was significant because it enabled the lower house to push through reforms even if the upper house rejected them. It was also significant because Japan […]

Puff and Stuff

This week’s comment is a quick summation of the current push and pull forces acting upon markets and our two-penneth worth on what we are thinking.

V for Victory

It's hard to fully appreciate the speed at which things are changing today. A recent report on the life cycle of companies illustrated that in the 20th century the dominant players took 30 to 70 years to grow to peak size and profitability.

Quarterly Market Update – October 2014

Comparing the world to 2008 / 2009 we see a very different picture. Many analysts believe the world economy is on track for a continued modest recovery; however some economies are much stronger than others.

Shifting sands…..

For some time there have been calls for an overhaul of pensions due to their lack of flexibility. In the space of six months two radical changes have been proposed.

What the future might look like…..

In my last series of articles I suggested we need to radically re-think how we plan and view retirement for the next generation (those leaving university or school).

The cash and carry trade

Is it just me or does time really have different speeds? The summer seems to have passed in a flash whilst, Jan, Feb and March dragged endlessly?

The risky pensioner

In the final blog of three which started with the naked pensioner, now I want to consider the risky pensioner. Much of the focus has been on those saving for retirement and not on those who are ‘at’ retirement.

Desperate Dan

Most people dream of retiring at 55 or 60, their parents and grandparents did and they assume the same will be true for them. But there are challenges that the previous generation never faced (although they may be facing some of them in retirement), and which the new generation now face.

The naked pensioner

There is a strong argument that politicians are out of touch with the people they are trying to represent. Most politicians have money, and few have experienced the realities of day to day life and the challenges less fortunate individuals face.

That’s more like it

I am home alone this week as the girls are on holiday with mum; Ellie dog is here moulting like crazy and with the epic amount of hair loss it's not clear why she's not completely bald but hey ho, tidy and clean remains the dream!

If it was easy, everyone could do it!

We are experiencing poor markets at the moment and it helps to remember that ‘now’ has happened many times before and a lot worse. No one likes seeing markets fall; the up, up and away days of 2012/13 were great fun and checking portfolio values to find them higher each time was great for the mood.

Quarterly Market Update – July 2014

Markets are irrational; positive sentiment reflects the feeling that the global recovery is taking hold, and investors would be forgiven in thinking that against this backdrop markets would continue to deliver positive returns.

Memory loss…..

We are advocates of investment portfolio strategies......We are not trying to guess what regions will do well next year, because the ‘so called’ experts get this wrong and we are consistent in selling winners to buy losers; a strategy which over time is proven to win.

Please note...

Shininglights.co.uk is not regulated by the FCA. The information is purely a guide and it is the responsibility of the investor to carry out their own research before making any final decisions. We will ensure that the information is as accurate as possible but we cannot be held accountable for any errors or omissions. No products are sold on this site, nor do we endorse any particular product or investment.

Where there are links to third party sites this is not an endorsement of that site, and we cannot be held responsible for the accuracy of the information on that site.

Where there is reference to performance you should note that past performance is purely a guide and investments can fall as well as rise.

The information on the site belongs to shininglights.co.uk and cannot be replicated or copied without our permission.