LWM Consultants Blog

  • Cash May 11, 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 […]
  • Time in the market May 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 11, 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 […]
  • Financial Shocks April 12, 2017 - There are many risks in life; when we get into the car and drive this could be risky; when we own a house there are risks that things can go wrong Recently I have been writing about what is important to us, and how we can create achievable goals. There are many risks in life; […]
  • First Quarter 17 – Promises v Politics March 27, 2017 - As we have previously written an awful lot happened in the second half of 16 and whilst it was shocking, many markets embraced the resultant potential for change by rising strongly; particularly in the US. Brexit, which becomes official any day now, has so far played out broadly as expected with the UK talking tough […]
  • Why plans are important? March 08, 2017 - When I started working my godfather offered some advice; “save as much money as you can”. I took his advice and over a few years invested in several ten-year investment plans. As time moved on the amount of money I had grew, and it became central to everything I did. By the time the dot.com […]
  • Vive la France! March 07, 2017 - Having spent some time with European Fund Managers there is the inevitable discussion about European politics and the risks for investors. There are four key events facing Europe this year: 15 March – Netherlands Elections 31 March – UK triggers Article 50 7 May – French Presidential Elections 24 September – German General Elections At […]
  • 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 […]