LWM Consultants Blog

  • Looking back at 2017 January 08, 2018 - Performance 1 January – 31 December 2017   Defensive Portfolio Cautious Risk 4 Portfolio Cautious Risk 5 Portfolio Balanced Portfolio Moderately Adventurous Portfolio Adventurous Portfolio Portfolio 7.83% 10.43% 11.81% 18.24% 20.16% 21.89% Benchmark 5.96% 7.28% 7.76% 10.17% 11.59% 12.79% You should note that past performance is not a reliable indicator of future returns and the […]
  • Brief view of the markets November 29, 2017 - This blog provides a brief update on performance and views going forward. Performance of the portfolios from 1 January up to 31 October ranges from 6.49% to 19.65%, before fees / charges. This is broadly as it should be in a fundamentally ‘risk-on’ market where company prospects for growth are priced higher. Investors accept higher […]
  • Budget snapshot November 24, 2017 - It must be really difficult when you are the centre of attention for one hour each year but haven’t really got anything new to say. This was what the Chancellor faced yesterday, so no wonder he tried to concentrate on cracking jokes about driverless cars and how the government is run by two-thirds of Top […]
  • The next financial crisis is coming – and it’s all Richard Nixon’s fault September 26, 2017 - We live in an era that’s unusually prone to financial crises. We’re almost certain to see another one in the not-very-distant future. That’s not me talking (although I agree). That’s Deutsche Bank. And you can blame it all on Richard Nixon… How the world changed in 1971 Deutsche Bank (which I shall now refer to […]
  • Is investing just a posh word for gambling? September 18, 2017 - Coming into this part of the industry recently I decided to study the concept of financial planning and it quickly dawned on me it was a little more complex than being ‘sold’ a product! I was asked the other day whether my job was essentially to be a paid gambler of another person’s money! It’s […]
  • Half Yearly Review July 05, 2017 - Defensive Cautious Risk 4 Cautious Risk 5 Balanced Mod Adventurous Adventurous Ethical Actual Performance 4.20% 5.23% 6.36% 9.70% 10.97% 11.90% 8.64% Benchmark 2.58% 2.66% 3.15% 3.86% 4.38% 4.92% 5.33% Outperformance 63% 97% 102% 150% 150% 142% 62% Our aim of each risk weighted portfolio, is to achieve consistently better results than the portfolio’s own specific […]
  • Cash July 01, 2017 - Holding cash for short term goals is important; people need cash for daily living, but over the long-term consideration should be given as to whether it is the right asset class There is something comforting about cash; we know if we have £100 in the bank and we don’t spend it, we will still have […]
  • Hung Parliament June 14, 2017 - looking at marginal seats the Conservatives were just 400 votes short of a majority, and Labour 103,550 Despite what some might want to tell us, it is fair to say in this election there were no winners. The two biggest parties saw their share of votes increase significantly; the last time we saw this level […]
  • Time in the market June 11, 2017 - If I am investing for 20 years and I don’t need the money, then it doesn’t matter what the markets do today or tomorrow because I can’t control that, or second guess what might happen. When markets are rising, there is a danger that we think (or secretly hope) that they will keep going up. […]
  • Buy-to-let – some thoughts May 25, 2017 - Going in today is not for the faint hearted. You have higher up-front costs, a squeeze on margins, no idea of future legislation and potentially falling house prices and rental income. There is no doubt that over the last 20 years, buy-to-let property has been a good investment. Landlords have not only benefited from an […]