Past fees are not a guide to future fees

David Thomson, chief investment officer at VWM Wealth, discusses investment returns and charges with The Herald:

“IN RECENT years investment returns have been good so investors have not focused on charges, but that will change if markets are flat or fall.

Accordingly, it is worth giving charges consideration as they can have a big impact over the longer term.

Investors need to decide if the potential outperformance of a fund justifies a higher fee than, say, an index tracker…”

Read the full article.

3 positive ways your financial plan can support your mental health

If you have ever experienced mental health issues, you will know just how much they can disrupt your everyday life and make small tasks a significant challenge. Mind estimates that 1 in 4 people experience a mental health problem of some kind each year in England, and 1 in 6 people experience a common mental […]

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7 life events that could lead you to rewrite your Will

Life moves fast and just a couple of years can take you past multiple milestones that change your world forever. You may not think to rewrite your Will after significant life events, or you might forget or postpone it to a later date, but this could mean your beneficiaries miss out or that your estate […]

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3 studies that support evidence-based investing

If you have ever tried to play the market, you will know the reality is that it is very hard to beat. If it was easy, then what would be the risk? And if there were no risks, why would there be any return? Evidence-based investing looks to empirical evidence and long-term market observations for […]

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What is evidence-based investing and how can it help you grow your wealth?

It is hard not to be influenced by the noise and volatility that is part and parcel of investing. You only need to turn on the TV news to see stories that can materially affect the global economy, from political change to regional conflicts. There are always periods of confidence and uncertainty, or opportunities for […]

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