Thursday, October 03, 2019

If it ain’t broke, don’t fix it...

Now, what if we asked how long you could go without being moved by the latest headline news? Impeachment unrest, Hong Kong protests, Brexit stress,... Read More >>

Wednesday, September 18, 2019

Brexit and your Portfolio

It’s yet another big week on the Brexit journey. This weeks’ drama focuses on the Supreme Court where judges will determine the legalit... Read More >>

Thursday, August 15, 2019

Note to Self: 10 things to remember as and when markets fall

Owning equities in portfolios is not easy.  Yet, the very nature of the uncertainty of outcomes is why decent ... Read More >>

Thursday, August 01, 2019

How long is long term?

For many investors – particularly those in retirement - the question ‘how long is long-term? could also be translated as Read More >>

Tuesday, June 11, 2019

The Pain and Pleasure of Diversification

The fall of Neil Woodford has some powerful lessons for us all. Diversification is on of the most important elements of successful investing, somet... Read More >>

Wednesday, June 05, 2019

Neil Woodford a Lesson in Humility

It's an important time for retail investors, one that will change the retail investing landscape for the better. Here we share with y... Read More >>

Thursday, May 23, 2019

How to decide whether to trust an adviser

There are two elements to trusting an adviser. The first is a conscious decision: Is the adviser competent? The second is sub-conscious: Does ... Read More >>

Monday, April 15, 2019

How to Choose a Financial Adviser

A good adviser will save you a lot of money and potentially a lot of worry. Choosing one is not easy and requires some work, but it is worth the... Read More >>

Monday, April 08, 2019


There’s a war on for your attention and the biggest casualty is often your precious time. Constantly updating media, 'helpful' apps a... Read More >>

Thursday, March 28, 2019

Costs and Helpers (part 3)

You would think that any reasonable person would be acutely aware of the need to keep investmnet costs down. You might also reasonably expect that ... Read More >>

Wednesday, March 27, 2019

Costs and Helpers (part 2)

Warren Buffet’s annual letter to Berkshire Hathaway investors is always worth a read; they are often entertaining and always informative to a... Read More >>

Tuesday, March 26, 2019

Costs and Helpers (part 1)

Investment costs must be reduced where possible as any savings will compound in the investors favour over time. Costs are one investment variabl... Read More >>

Wednesday, March 13, 2019

Should I pay Voluntary National Insurance Contributions in Hong Kong?

Paying your UK National Insurance (NI) contributions while you’re offshore makes complete sense. Doing so mea... Read More >>

Monday, February 18, 2019

In Retrospect

There are so many investment-impacting behavioural biases. Some biases are more significant (or harmful) than others; hindsight bias can be especia... Read More >>

Thursday, January 24, 2019

Resist the call of the Siren

We all get emails suggesting that active managers can beat the market (or their very specialist bit of it). The evidence suggests otherwise and the... Read More >>

Thursday, January 17, 2019

John “Jack” Bogle

Take a moment to step away from the daily turmoil, and honour the life of one giant man. John “Jack” Bogle.  Read More >>

Wednesday, January 09, 2019

The usual mixed bag

What if Charles Dickens had begun his classic “Tale of Two Cities” as follows: It wasn’t the ... Read More >>

Tuesday, January 01, 2019

Six Financial Best Practices for 2019

Are you ready to get a jump on 2019 Here are six financial best practices for the year ahead. Pick a few of them or take on the entire list. Eit... Read More >>

Monday, December 24, 2018

The Norway Model - what investors can learn

Investors like to copy the investment strategy of well-known fund managers. Others try to emulate the endowments of top American universities. But ... Read More >>

Wednesday, December 05, 2018

The sky is falling!

Just like Henny Penny (aka Chicken Licken) headline-grabbing yield curve commentary somehow sounds important, doesn’t it? But what is a yield... Read More >>

Thursday, November 29, 2018

Put the kettle on!

Everyday, we get helpful suggestions on how best to invest our money and what we should be doing to our investments ‘armed’ with the... Read More >>

Tuesday, September 25, 2018

Active Managers have a problem keeping it up!

"If you as an investor would like to have a top quartile investment return over the next decade: index" Sage advice from Charlie Ellis, r... Read More >>

Monday, September 10, 2018

Dangers of Headline Investing

Investing with one eye on the news headlines can be a hazardous occupation. We risk acting on news that’s already priced in, or making lon... Read More >>

Tuesday, March 20, 2018

Fund Managers Rarely Outperform

Browse the money section of your preferred weekend newspaper and you would be forgiven for thinking that fund managers routinely beat the market.&n... Read More >>

Friday, March 16, 2018

The Long-Term Investor

Whether you’ve been investing for decades or are just getting started, at some point on your investment journ... Read More >>

Tuesday, May 09, 2017

Latin America is Hot - Don't get Burned

Latin America and other Emerging Markets are returning to vogue. As you consider your allocations do be mindful of the Active vs. Passive return pr... Read More >>

Sunday, February 12, 2017

Passively Managed has The Edge and is far from Average

Everyone (apart from active mangers) knows that actively manged funds are most likely to underperform. Over the past 5 years some Read More >>

Thursday, December 01, 2016

The SFC has "Cost Concerns"

Hong Kong's fund management industry is in the spotlight. The SFC are taking a very close look at fee and the banks' distribution dominance... Read More >>

Monday, November 28, 2016

Index vs. Active - The Scorekeeper

SPIVA keep score on the index vs. active debate as it unfolds. Everyone needs to know about SPIVA. Do you? Read More >>

Monday, November 28, 2016

Pension Professionals and Evidence-Based Investing

Keeping costs low and evidence-based investing work well together. Pensions and Investments take a look at Evidence-Investing in this graphic piece... Read More >>

Thursday, November 10, 2016

Election News: Stocks STILL Reward Patience

Big media events and market volatility make us all jittery. Here's some perspective that will help us all control those pesky behavioral tenden... Read More >>

Wednesday, November 02, 2016

The Low-Cost Revolution

There has been much press of late about the transition from active funds to passive funds. Understandably the active world has pushed-back against ... Read More >>

Friday, October 21, 2016

Low-cost investing with ETFs

An interview with The Edge Malaysia on Low-cost investing with ETFs. Everyone wants to hear about the two powerful trends that are reshaping t... Read More >>

Tuesday, October 18, 2016

The Great Migration

In the last few years Private Capital Limited has steadily been exiting traditional active funds in favour of lower cost passive funds. In our Q... Read More >>

Tuesday, August 09, 2016

Are Markets Efficient?

Eugene Fama and Richard Thaler, both professors at The University of Chicago Booth School of Business, go head-to-head and debate the question: ... Read More >>

Monday, June 27, 2016

Which funds outperform their benchmarks over time and why?

Dimensional Fund Advisors’ recent study asked this very question and provided a summary of their findings a short video. They do this stud... Read More >>

Thursday, May 26, 2016

Pension Scams: Over 55s at heightened risk of fraud

Yesterday the UK’s financial regulator (FCA) issued a stark warning regarding the increasing risk of retires being scammed via investment ... Read More >>

Thursday, May 26, 2016

Hong Kong's Love of Expensive Life Insurance

Coming from a developed market economy and being fortunate enough to have acquired my first property shortly a... Read More >>

Thursday, April 28, 2016

Why Active Management Can Come Up Short

In the QE era, passive investing looks to have come out on top of active management. Primarily, passive investing is less expensive than active ... Read More >>

Wednesday, April 13, 2016

Final Salary Pension: Why pay for a transfer analysis?

We are pleased to be able to offer interesting technical ... Read More >>

Wednesday, April 06, 2016


We are pleased to be able to offer interesting technical insights from our specialist pension partners in Europe, TailorMade Pensions.


Wednesday, April 06, 2016

1Q16: Fear and Greed

As far as the markets were conce...

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