When markets fall: what to do, and what not to
Falls are a normal part of investing, not a sign that something has gone wrong. What matters is how you respond in the weeks that follow.
The order you take money out matters
Two retirees with identical savings can end up with very different after-tax incomes, purely because of which account they draw from first.
How to choose an investment adviser
The questions worth asking anyone you're thinking of trusting with your savings, including us — and the answers that should give you pause.
The quiet cost of holding too much cash
Cash feels like the safe choice, and for short-term needs it is. Over longer periods, inflation makes it one of the riskiest places to keep money.
Turning savings into income: the questions that matter
Building a retirement pot is only half the job. Drawing an income from it — without running out — raises a different set of questions.
Diversification, explained plainly
It's the closest thing investing has to a free lunch — but diversification is often misunderstood, and owning lots of things isn't the same as being diversified.
What investment fees really cost you over time
The difference between a 1% and a 2% annual fee sounds trivial. Compounded over two decades, it can be one of the largest costs in your financial life.
Understanding your risk tolerance
Risk tolerance isn't just about how brave you feel. It's a mix of what you need, what you can afford to lose, and how you'll actually behave when markets fall.
Consolidating old accounts: when it makes sense
Old pensions, forgotten investment accounts, a few savings pots — bringing them together can simplify life, but it isn't always the right move.
Passing on wealth: the basics of legacy planning
Legacy planning isn't only for the very wealthy. A few straightforward steps can make things far easier for the people you leave behind.