Top 10 Investment Tips

The media would have you believe that a successful investment experience comes from picking stocks, timing your entry and exit points, making accurate predictions and outguessing the market. Is there a better way? It’s true that some people do get lucky by making bets on certain stocks and sectors or getting in or out at … Continued

Women control 80% of family financial decisions

Women get a raw deal financially Women generally live longer than men. Women are often a few years younger than their spouses. Therefore, it is highly likely that most women will become widows at some point in their life. One recent article suggested that “85% of women will be left alone to fend for themselves … Continued

Who do you love?

  I never ceases to amaze me how many people appear to love the taxman more than their family. When we first meet new clients, we regularly find that their life assurance and pension benefits are arranged in such a way that the taxman stands to be the single biggest beneficiary on their death. This … Continued

The single biggest investment mistake – and almost everyone makes it

What is the single biggest investment mistake almost everybody makes? If you could pick just one thing what would it be? •    lack of diversification •    holding too much (or not enough) in shares •    over (or under) exposure to emerging markets •    perhaps holding government bonds when “everyone can see it’s a bubble waiting … Continued

The value of proper independent financial advice could be 10% each year!

There appears to be a perception that independent financial advice is expensive and unnecessary.  In a recent article in our Long And Winding Road series, B&Q and Financial Planning, I discussed the implications for independent financial advice given the rise of the DIY investor. In a recent report KPMG  highlighted a significant rise in the … Continued

People who can’t write interviewing people who can’t talk

Frank Zappa once said that most music journalism is people who can’t write, interviewing people who can’t talk, for people who can’t read. That sounds a lot like much of the financial press to me! Obviously, as with most things in life, there are exceptions and there are some very fine financial journalists doing a … Continued

Possession Is Nine Tenths Of The Law

One of the benefits of living in a developed, civilised society is the access to things we take for granted; things like medical care, education, roads, etc. Unfortunately, these all have to be paid for somehow and money doesn’t grow on trees you know. Our Governments fund their spending plans out of income and borrowing … Continued

Pensions, Investments and Heinz Baked Beans

In my last blog Three Steps To Heaven I outlined my three simple steps to successful Financial Planning – Define It, Cost It, Fund It. You may recall that the two most important steps define your desired lifestyle and work out how much this will cost have nothing to do with financial products. It is … Continued

Three Steps To Heaven

At Forty Two we provide a service which is often referred to as Lifestyle Financial Planning. When I say that to most people they get a picture of some Californian hippie, hugging trees and smoking wacky backy while chanting some strange incantation or mantra. It’s not like that, honest! I do now have a mantra … Continued

To Fail To Plan Is To Plan To Fail

For years now I have been banging on about the need for proper financial planning. It’s often a lonely experience as the weight of the media thrusts its consumerist propaganda of sod the future live life now buy whatever you want because “you’re worth it”. This kind of reckless spending on the debt fuelled merry-go-round … Continued