Category Archives: Uncategorized

Metric conversion – What would it actually take for UK house prices to rise further?

By Ian Kelly We recently highlighted the unfortunate knack some investors have of misjudging when they move into illiquid assets. That article, Best laid plans, had been published on The Value Perspective for all of five minutes when, leafing through … Read More

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Hot and bothered – Looking too often at portfolio performance can be counterproductive

By Ian Kelly It was only a matter of time before somebody made the connection between the marshmallow test and retirement planning. After all, when you think about it, the test is all about delaying instant gratification in the pursuit … Read More

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Football may not be competitive in sports or business terms, but the remedy – financial fair play – may be making things worse

Manchester United are tipped to take over from Real Madrid in the global financial stakes in the next two years providing they secure Champions’ League football. The Deloitte Money League suggests that United, despite last year’s disappointing seventh in the … Read More

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2015 anti-forecast – Let valuation not prediction be your guide over the coming year

By Kevin Murphy The start of a new year is traditionally seen as the time for all fund managers to opine on the future of economies, markets and the general state of the universe but, ever the contrarians, here on … Read More

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Do the Swiss expect ‘shock and awe’ QE from the ECB and what countries or investors are really feeling the Swiss franc pain?

The move by the Swiss to abandon their ‘peg’ to the euro took the markets completely by surprise, not least because  the vice-chairman of the Swiss National Bank (SNB) had declared “we are convinced that the minimum exchange rate must … Read More

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But we haven’t had sustained Deflation for decades!

The Government and the Bank of England (helped by the media) keep telling us Deflation is bad for us. Think about that. We don’t want lower business and living costs.  You really couldn’t make it up.  How surreal and Orwellian. … Read More

Posted in Asset Allocation, Bonds, Deflation, Disinflation, Economy, General Economics, Gilts, Oil, Uncategorized | 2 Comments

Secure Trust tops Shawbrook Bank again

Perhaps the biggest savings account news this week, apart from the rates being announced for the forthcoming Pensioner Bonds, has been the continuation of the tussle at the top of the notice account best buy table, as Secure Trust replaced … Read More

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Gone with the flow – Investors cannot hope to know the true liquidity of assets that rarely trade

By Ian Kelly For something so integral to investment, liquidity – the ease (or otherwise) with which an asset can be bought or sold – is extraordinarily hard to quantify. Assorted academics have attempted to create a suitable metric for … Read More

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Tesco Bank re-enters the best buy tables

Last week we said that it was too soon to herald the recent increased rates we saw as the start of a more positive trend for savers. Sure enough, this week has seen just a handful of upward changes, the most … Read More

Posted in Bank savings rates, Uncategorized | 1 Comment

If pension investors with £50,000 insist on income drawdown, surely they should be able to ask their IFA for help

Politicians, pension firms, financial watchdogs and consumer groups are in the middle of a huge debate about what you are going to do with your pension. Maybe they should ask you. With the freedoms announced in the Budget, everyone is … Read More

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