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The Only Free Lunch In Investing

Harry Markowitz who founded Modern Portfolio Theory called Diversification “the only free lunch in investing”. What does this mean though? For me, a good way to explain this is diversification is like having many eggs in lots of baskets. This …




What do you compare your portfolio to?

If you have an investment portfolio, it is prudent to review this regularly to ensure it remains appropriate. Part of this review would likely involve a comparison of the portfolio to something, the question then becomes what do you compare …




Drills, Holes and Financial Planning

Sometime ago I read an interesting article which stated that people don’t buy drills because they want a drill but because they want a hole.  Why do they want a hole? Perhaps to hang a piece of art which looking …




Financial Planning is a process, not an event

When meeting with a potential new client I make it clear that I consider financial planning to be a process and not an event. The construction of a financial plan underpinned by a lifetime cashflow makes many assumptions, so to suggest that …




Start with what you know

Anyone seeking evidence that investment decisions can be hard often needs to look no further than the front page news. China, oil, VW and Glencore are among the assets that have made the headlines in the past few months after …




We are on our own, or are we?

There was once a time when thinking of planning for retirement did not take much effort. This was when final salary pensions and jobs for life were considered the norm. Fast forward to today and we have a very different …




How to succeed as an Investor

Before providing my view on the above, it is helpful to frame why we invest money in the first place. From personal experience clients often tell me they are looking to invest due to the desire to “make my money …




Would you like to know if you can afford to retire?

The use of Lifetime Cashflow Planning can help to answer important questions such as this. At Clover Wealth Management we use this as part of our planning process. Often people save in a variety of places such as banks and …




Charity of the Year

We are pleased to announce that our charity of the year for 2015 will be the Devon Air Ambulance Trust. The Clover Wealth team will be taking part in a fundraising 10km coastal walk in mid-June with challenging terrain! Our charity …




Chartered status re-affirmed for 2015

We are delighted to announce that our status as a chartered firm has been confirmed by the Chartered Institute of Insurance for the 5th year running. To obtain chartered status there are a number of stringent criteria which we are very …