4 Weeks to Christmas

Where does the time go?

Hasn’t this year flown! They say the older you become the faster time goes. Now we all know that time doesn’t speed up, it’s one of the few constants we have, but just 4 weeks to Christmas already. That’s ridiculous.

I hope 2017 has been good to you and your family so far this year. I know there’s not much to cheer about in the news at the moment, but that shouldn’t stop us from enjoying the rest of our year. I’m sure the world’s politicians don’t care about us, so why do we spend so much time worrying about what they are going to say or do next? We are investors. We invest for a lifetime during which there will undoubtedly be other “Trump and Brexit” equivalents to worry about in the short term. But in the long term, our lifetimes, our investments grow and always have done. Continue reading “4 Weeks to Christmas”

I’m a baby boomer

When I first played Trivial Pursuit Baby Boomer Edition, I had no idea what a Baby Boomer was, or indeed that I may be one. After the end of WWII, the number of births rocketed in the US and only settled back to average figures in 1963.  A similar increase in the birth rate happened over here too.


The vast majority of my clients are older than me, that makes them Baby Boomers too.  What’s this got to do with investment?  

Q: “Willie, why do you rob banks?”
A: “Cause that’s where the money is.” ~ Willie Sutton

Willie Sutton was born in 1901 and was a career bank robber.

Q: “Howard, why are nearly all of your clients older than you?”
A: “Cause more than 75% of the wealth in the UK is held by the 55 plus age group. You can see I would have an incredibly poor business model managing the wealth of the UK’s 20somethings.”

Howard Scott was born in 1961 and has been continually robbed by banks. Continue reading “I’m a baby boomer”