Tag Archives: independent financial planning

Investment Planning – “When Cash Beats a Portfolio”

By John Lang | Published: September 24, 2011
I am glad to be part of Matthew Vincent's comment piece "When Cash Beats a Portfolio" in Saturdays FT on 24 September 2011.....Is there any financial advisor out there that would pay over 2% per annum for a well diversified risk benchmarked portfolio never mind one that has a less than 50% chance of beating cash over the longer term? If the answer is no then I don't see why clients should be "advised" (read "sold") into such portfolios.
Posted in Blog, Investment Planning | Also tagged , | Comments closed

Financial Planning – Portfolio Tax Mitigation

By John Lang | Published: February 7, 2011
How can investors with an investment and ISA portfolio increase their after tax returns without changing the asset allocation of their overall portfolio? Good investment advice is essential but the tax planning and portfolio structuring advice outlined below will increase after tax returns for many clients.
Posted in Blog, Financial Planning, Investments | Also tagged , | Comments closed

Financial Planning – No Punting Needed!

By John Lang | Published: October 17, 2010
There is a far superior alternative - taking independent financial planning advice. Financial planning is about helping clients achieve their financial objectives and if done properly should put clients firmly in the driving seat rather than bad advisers/conventional wisdom press enjoying or exploiting a clients/readers ignorance!
Posted in Blog, Financial Planning | Also tagged , | Comments closed

Financial Planning – Have we reached the tipping point?

By John Lang | Published: July 26, 2010
How valuable are the investment tips we find in the weekend money sections? Can these experts skilfully predict the future and at the same time are they sufficiently altruistic to share their secrets with millions of newspaper readers? I hope readers realise that these tips are of little or no value although they are an interesting read which I guess is why personal finance news editors like to include them in their papers.
Posted in Blog, Financial Planning | Also tagged , | Comments closed