LWM Consultants Blog

  • Understanding how you can benefit from your pension fund February 13, 2017 - Apples and pension freedoms carry similarities 2015 saw radical changes to the way pension benefits could be paid in retirement; suddenly it seemed everything was much simpler. I still remember the headlines the next day about using the pension fund to buy that yacht or sports car you had always dreamed about. It is worth […]
  • The age-old question… February 10, 2017 - The point is that we are living longer; yet we still expect to retire at the same age as our parents or grandparents. There seems to be a gap in reality where we think we can still retire at 60 or 65 and be able to fund a retirement of perhaps 30 years! It’s easy […]
  • 2016 – All things must pass January 11, 2017 - Writing a year-end review of 2016 could focus entirely on the story of Brexit, or the unbelievable Trump victory; seek to understand the epic collapse of oil or consider the cultural influence of the many icons who have passed. Or most confounding of all, how the heck did Leicester City win the Premiership and did […]
  • A life less complicated December 16, 2016 - to be a good investor you need the time, energy and patience/discipline to make it work; for many of us we simply don’t have that Every day we take risk without considering the consequences. Interestingly almost every action we take carries risk; the list below from besthealthdegrees.com considers the chances of fatality from some normal […]
  • Santa baby, slip a rally under the tree, for me December 13, 2016 - Every year I read about the Santa Rally; this is a period which “sees share prices fly higher than a sleigh in a snowstorm”. Yet despite all the predictions and statistics I am not sure I have ever experienced such a thing. When I look at the figures, December seems to be a dull month […]
  • Trumped-up charges November 18, 2016 - Well it’s now a week since the unthinkable became “thunkable”. Leaving aside the genuine cries of anguish from those around the world who ideally desire the characteristics of inclusion and tolerance from their leadership, the economic hard winds of change, ‘they been a blowin’. Trumped up As we wrote on the day of the election, […]
  • Keep Calm – Carry On November 09, 2016 - This feels a bit like Groundhog Day, doesn’t it? We go to bed thinking one result is pretty much a done deal and wake up to the shocking reality that the opposite has happened. So, Donald Trump is President and even writing that makes me want to laugh in that half-crazed way of a person […]
  • And the Weiner is …….? November 08, 2016 - The US Presidential election reaches polling day today, and I’m not sure if I’m relieved or sad that the circus is preparing to leave town. In a world where the bizarreness of human behaviour has become an everyday thing to be viewed and laughed at on the internet, this election has surpassed all previous bounds […]
  • Many happy returns August 26, 2016 - It’s now less than a month until I reach 50 not out, but the title doesn’t relate to this impending milestone. Rather it refers to the portfolios which have (since the week after the BREXIT vote) gone on an upward journey, producing many many happy returns. Up to 23 August the portfolios have grown for […]
  • What’s going on? July 19, 2016 - Despite a challenging start to the year we have seen five consecutive months of positive returns across the portfolios. However, through this period of heightened volatility in 2016 the benchmarks have outperformed the portfolios, and in this blog I want to explore the reasons for this. Fixed Interest We have advocated for some time that […]