According to the Chinese calendar, 2022 is the year of the tiger. So, was it the king of beasts the one who bit off the market’s leg? In this Quick Note, we explore how and why a zodiac sign alone doesn’t explain the sharp reversal we ha...

One of my fondest childhood memories is listening to my grandmother repeat the same personal finance advice every time she gave me a few pounds: “don’t spend it all in one place”. Although I often chose to neglect her wise words, and ins...

Welcome to yet another AWML Quick Note. This time around, we have a slightly longer than usual note, as we will look back on 2021 and see how it affected global markets. Two years have now passed since Covid-19 shaped how families live, ...

Welcome to our third AWML Quick Note. Following a volatile and mostly risk-off quarter in the markets, this letter has a lot of ground to cover. We aim to shed some light on the events that shaped cross-asset returns in the July-Septembe...

Welcome to our first AWML Quick Note, a series of occasional quick research and analysis pieces into current or historical topics affecting today’s financial markets, investments, and what they mean to your money. Equities Figure 1:...

A recent review of my own defined pension benefits revealed something very disturbing indeed. Said revelation was that my Wife (and partner of 23 years) is not actually entitled to the usual 50% spouses’ pension in the event of my death....

“Between the optimist and the pessimist, the difference is droll. The optimist sees the doughnut; the pessimist the hole!” – Oscar Wilde. 2020… What a year it was! Now that it finally is behind us, the question of what to expect of ...

AIG have recently replaced their old Critical Illness cover with a new and improved version known as Term Assurance with Critical Illness Choices. The goal is the same – to offer cover to customers in the event that themselves or a loved...

“Risk comes from not knowing what you’re doing” – Warren Buffett Investing was never easy. As humans, we are naturally risk-averse, and losses hurt us more than we enjoy equivalent-sized gains. You probably did not need to read this to ...

Today we’re going to talk an extremely important, yet rarely addressed topic – how do you maximise your retirement income, without substantially increasing the likelihood of depleting your assets? For a long time, finding an answer to th...

The world economy is facing a big challenge as the coronavirus outbreak causes a drastic drop in financial markets across the globe. This has a direct impact on pension investments and pension holders may be concerned about the value of ...

Whilst it may seem a bizarre time to be thinking about investing money, the words of perhaps the worlds most savvy investor (Mr Warren Buffett) should not be ignored. For those that have not heard Mr Buffett’s mantra, it goes along the ...

Dear Clients, Given recent circumstances, we would like to reassure clients that we will be conducting business as usual. All staff are well equipped to work from home and all client meetings can be conducted through phone or video cal...

Put simply, inflation is the rate at which the average price of a basket of selected goods and services in an economy increases over a period. Usually expressed as a percentage, inflation means a decrease in the purchasing power of the r...

Why Investing Can Be Preferential to Saving With a Bank Saving and investing are both extremely important but completely different. Whilst both can help you secure a more prosperous financial future, it is very important to understand w...