ARE YOU AN ETHICAL INVESTOR?

Around twelve years ago the company I was working with held a seminar for clients in Bali. It was part of a world tour by several fund managers who managed a range of funds supported by the company. One of the managers was showing slides of the various companies whose shares he had selected for […]

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COPING WITH CURRENCY WOES

Recent Rupiah losses against the US Dollar have been a worry for many, not least the Indonesian government itself. The currency has lost some 10% against the Dollar this year and the government is doing all it can to stabilise it. Twenty years on – have any lessons been learnt? Those who were here 20 […]

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LEARNING LESSONS FROM DISASTERS

Recent weeks have witnessed several disasters in many parts of the world. There has been severe flooding resulting in loss of life and property in places as far apart as Japan, India and Europe. There have been unprecedented wildfires in California, a deadly drought in Australia and a catastrophic bridge collapse in Italy. While closer […]

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HOW CAN WE AVOID OUTLIVING OUR PENSIONS?

One obvious answer to the question is to die early! But that’s not the answer we want to hear. This is the follow-up to my last article ‘Will you outlive your pension?’ The fact is most people seriously underestimate how much wealth needs to be built up to provide a liveable income over an unknown […]

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WILL YOU OUTLIVE YOUR PENSION?

I guess some might respond ‘yes’, some will respond ‘no’ but most will respond ‘don’t know’ or ‘only wish I knew’. But knowing to the best of your ability is important and it becomes more critical the closer you get to retirement age. Before assessing the prospects we have to consider two key questions: How […]

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IT COULDN’T HAPPEN TO ME – OR COULD IT?

As we get older we are mindful that we could be afflicted at any time with one of the many conditions that insurers categorise as ‘critical illnesses’. Although the list of qualifying conditions runs into several dozen the most common are the more familiar ones of heart disease, stroke and cancer. And it’s not just […]

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VOLATILITY – FRIEND OR FOE?

If you follow the financial markets closely you will be more than aware that they have been subject this year to considerable volatility. Exactly what does that mean? A dictionary definition of volatility as it applies in finance is: ‘The degree of variation of a trading price series over time as measured by the standard […]

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WHY ONE PENSION IS NOT ENOUGH

On Friday 16th March the Trump administration fired the Deputy FBI Director Andrew McCabe just 24 hours before he was due to take retirement with full benefits. Without entering into the rights or wrongs of the decision the fact is that by not fulfilling the complete 20 years to qualify for a full pension McCabe […]

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WHEN BAD NEWS AFFECTS YOUR FINANCIAL PLANS

When Gunung Agung came back to life last September, after remaining dormant since the early 60’s, many lives were turned upside down. Hardest hit were the local residents who were forced to flee the exclusion zone around the mountain, many of whom are still unable to return to their homes and livelihoods until the authorities […]

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