“The only constant is change.” (Heraclitus)

Stock markets everywhere have been on a bit of a rollercoaster in 2025. Uncertainty around interest rates, geopolitical instability, and the unpredictability of US trade policy have made for a bumpy ride.

For any investor, these constant dips and gains can feel unsettling, even irrational. But before labelling current conditions as “abnormal”, it’s worth […]

“Piglet noticed that even though he had a Very Small Heart, it could hold a rather large amount of Gratitude.” (Winnie the Pooh, by A.A. Milne)

The tax-free launchpad for young futures

With a bit of planning, retirement fund members can ensure that, in the case of their own death, their minor children benefit from a tax-free financial vehicle. Imagine:

No entry […]

“Marriage is the chief cause of divorce.” (Groucho Marx)

Retirement savings typically account for a substantial portion of a person’s wealth. When a marriage ends, these savings can become a serious bone of contention. The good news is that, starting 1 September 2024, the definition of pension interest will be standardised across all retirement funds. This makes it easier to know […]

2025’s perfect storm began with President Trump exhibiting his trademark unpredictability, announcing sweeping tariffs that sent markets into a tailspin in April.

When tariff fears peaked in April, the S&P 500 sold off as much as 17.8%, while the Nasdaq suffered an even steeper 23.4% decline from its highs. Oil futures fell to four-year lows of $55.12 per barrel as […]