Thoughts on bonds

Human Capital

“Human capital should be treated like any other asset class; it has its own risk and return properties and its own correlation with other financial asset classes.”   Ibbotson, Milevsky, Chen and Zhu (2007)

Poppy in a field


“I’m £90,000 better off in 1 year with Millen Capital”*


Certain about Uncertainty

“Democracy is the worst form of government, except for all the others.” Churchill

Investment Return


 “You may deride my awkward pace, but slow and steady wins the race” Robert Lloyds – The Hare and Tortoise, 1757. A Fable.

Housing Market

The Fall and Decline of Buy-to-Let

‘Short of attacking them with flame-throwers, or impaling them on stakes, it is hard to know what else the Bank and the government can throw at landlords.’ Daily Telegraph, 31st March 2016

Dont ignore the problem

The Ordinariness of Market Falls

It is all too easy to get overly concerned about falls in the equity markets from previous highs.  As humans, we are hard-wired to be concerned about recent events and feel losses keenly.

Ticking time bomb

The clock is ticking…

If you earn more than £150,000 p.a., these pension changes will affect you!