TCF Investment https://www.tcfinvestment.com Thu, 06 Aug 2020 14:24:36 +0000 en-GB hourly 1 https://wordpress.org/?v=5.4.2 https://www.tcfinvestment.com/wp-content/uploads/cropped-TCF-Icon-RGB-Low-Res-PNG-150-ppi-32x32.png TCF Investment https://www.tcfinvestment.com 32 32 Things that successful investors don’t do https://www.tcfinvestment.com/things-that-successful-investors-dont-do-2/?utm_source=rss&utm_medium=rss&utm_campaign=things-that-successful-investors-dont-do-2 Thu, 07 May 2020 10:46:08 +0000 http://206.189.20.190/?p=2609 Successful investors don’t start without a plan, any more than they would start a road journey without at least a map and a destination in mind.

Your investment plan doesn’t have to be fancy, but it should be based on where you are (your current financial situation), the risks you are prepared to take and your destination e.g. a comfortable retirement by a certain time in your life.

Your plan should call for specific action steps you will take. Successful investors expect to reach their goals over time, by identifying the right things to do, and then doing those things consistently. Saving money regularly is perhaps one of the most basic of these useful behaviours.

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The only free lunch? https://www.tcfinvestment.com/the-only-free-lunch-2/?utm_source=rss&utm_medium=rss&utm_campaign=the-only-free-lunch-2 Wed, 22 Apr 2020 10:38:54 +0000 http://206.189.20.190/?p=2322 The phrase that “diversification is the only free lunch in investing” is attributed to Nobel Prize winner Harry Markowitz, one of the grandfathers of modern portfolio theory. One of the cornerstones of investing is that there are no meaningful returns without risk. Investors who own volatile investments are compensated by a “risk premium,” which refers to excess return over risk-free assets, normally government bonds. 

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The true value of IFAs https://www.tcfinvestment.com/the-true-value-of-ifas/?utm_source=rss&utm_medium=rss&utm_campaign=the-true-value-of-ifas Tue, 21 Apr 2020 09:53:12 +0000 http://206.189.20.190/?p=2266 More than ever Independent Financial Advisers (IFAs) are having to justify their value, MiFID disclosure requirements and ever-growing press scrutiny are pushing the need for advisers to show what they do and why they are worth it. In the long run, getting the right outcome for the client will be the IFA’s focus –

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Humans and Investing https://www.tcfinvestment.com/humans-and-investing/?utm_source=rss&utm_medium=rss&utm_campaign=humans-and-investing Sat, 21 Mar 2020 05:17:00 +0000 http://finanancial.wpengine.com/?p=17 When it comes to investing, customers are not always as rational as they think they are and often reduce their returns by poor investment behaviour. Market volatility may exacerbate these issues and lead investors to suffer far worse outcomes than they should. Financial advisers have an important and valuable role in helping their customers avoid or mitigate these issues. 

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Many ways that financial advisers add value https://www.tcfinvestment.com/many-ways-that-financial-advisers-add-value/?utm_source=rss&utm_medium=rss&utm_campaign=many-ways-that-financial-advisers-add-value Fri, 20 Mar 2020 05:14:00 +0000 http://finanancial.wpengine.com/?p=19 There is little doubt that financial advisers add real value to clients – clear goals, peace of mind, financial security and confidence in the future.  

 

With the growing transparency of fees (platforms, portfolios and advice) the need to show this value is growing. The FCA has expressed more than a passing interest, and a recent Which? Survey suggesting the average ongoing advice fee was 1.3% per year and £3,000 upfront for pension advice. 

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