Should Structured Products Feature in Your Investment Portfolio?

David Thomson, chief investment officer at VWM Wealth, discusses investment portfolios with The Herald:

“Structured products have been gaining in popularity recently, if increased sales are anything to go by.

A typical product currently in the market is offering a return of 4.35 percent per annum over five years so long as the FTSE 100 index does not fall by more than 40 percent in that time.

This might be attractive to someone seeking a fixed income who is willing to take a punt on where the index will be, but structured products have had a chequered past.

This has been not so much because of their underlying nature but often because those invested in them did not fully understand what they were investing in or did not look any further than the headline rate.”

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 […]

Read more

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 […]

Read more

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 […]

Read more

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 […]

Read more