Cyber-risk: how investors can prepare for the unpredictable

Cyber crime continues to create significant costs for companies globally, but understanding the risk means going beyond a formulaic assessment of policies.  Digital data has grown exponentially in recent years, spurred by increased penetration of mobile devices and consumption of online services. The rapid expansion in the volume of data companies store, many of which … Continue reading “Cyber-risk: how investors can prepare for the unpredictable”

Why I need a financial adviser

Combining risk frameworks with appropriate asset allocation is no mean feat. Economists call them “teachable moments” – life events which make us think more about long-term financial planning. Until my 40th birthday, I barely thought of my mortality. But since then I have barely thought of anything else. A major birthday milestone, combined with the … Continue reading “Why I need a financial adviser”

Choosing assets for a portfolio

Asset allocation is central to creating a portfolio. The investor has to decide how much, if any, to have in shares, or bonds, or property. Those big picture decisions usually have the biggest impact on how much money you make or lose. At Charles Stanley we spend a lot of time and effort trying to … Continue reading “Choosing assets for a portfolio”

Call of the city – how investors can profit from urbanisation

When we think about urbanisation, we often conjure images of newly constructed skyscrapers in Asia or rapidly-growing cities in South America or Africa. Indeed, the proportion of the world’s population living in towns and cities is forecast to increase from just over half today to two thirds by 2050 (source United Nations). Most of this … Continue reading “Call of the city – how investors can profit from urbanisation”

Ethical Investing: Myth vs. Reality

Ethical investing has been around for a long time, with the first recorded instance dating back to the 18th Century.  But despite its longevity, many investors are unaware that it is an option for them, and there are a number of common misconceptions.  In this short article, we provide the facts so you can make … Continue reading “Ethical Investing: Myth vs. Reality”

Back to Basics: Investing is a long term game

Believing that ‘now’ is the most difficult point in history to make sense of markets is one of the biases which investment professionals can pick up from their extreme proximity to the volatility, uncertainty and surprise that go with investing money. The cure to these jitters is just to step back and review some of … Continue reading “Back to Basics: Investing is a long term game”

Brazil and Venezuela struggle with their economies

Since 2014 the output of the Brazilian economy has fallen by 9%, before starting a small recovery this year. Meanwhile in its smaller northern neighbour, Venezuela, the government has stopped producing official economic figures because the performance of the economy is so poor. The IMF thinks the Venezuelan economy contracted by 8% in 2016 alone, … Continue reading “Brazil and Venezuela struggle with their economies”

How to invest in times of political change

The last few years have thrown up a series of political surprises. Rank outsiders overturning the odds have become so normal that equity markets have learnt to brace for impact and as a result, those impacts have become more muted. Political leaders and commentators appear to have accepted that old rules may not hold even … Continue reading “How to invest in times of political change”

How will investments perform in 2017?

Despite political uncertainty, and some notable surprises, UK investors have largely benefitted from some positive trends during 2016. But what does 2017 hold in store for the major asset classes? Equities It remains to be seen whether Donald Trump’s widely-anticipated reflationary policies will pass through Congress. If his planned infrastructure spending aimed at igniting growth … Continue reading “How will investments perform in 2017?”