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)

Ticking time bomb

The clock is ticking…

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

Dragons Den Chairs

The good, the bad and the ugly of VCTs and EIS

Should the tax tail wag the investment dog? When it comes to considering the role of venture capital trusts (VCTs) and Enterprise Investment Schemes (EIS) that is the question that needs to be asked and answered.  Tax breaks need to be very carefully weighed against the material risks of owning


Statement of Investor Rights

The Institute of Chartered Financial Analysts (CFA) has published what they believe to the be 10 key rights that investors must be entitled to when purchasing financial services products. Millen Capital are a staunch advocate of these 10 investor rights. We would suggest that investors pay particular attention to the

Investment Coach

Your Adviser’s Role As Your Investment Coach.

It is always tempting to judge the value of your adviser on the recent performance of your investment portfolio.  That is unfair as it fails to understand both the true value that a good adviser delivers with respect to investments and the fact that no manager can control the returns


Pension Reforms – Challenges and Opportunities.

New pension reforms came into being on 6th April 2015. The materially greater freedoms that now exist have much appeal, yet they come with greatly increased complexity both in understanding and in execution.