In the context of personal finance, what do we mean by risk? If you boil it down, risk comes down to how much volatility you want to experience to achieve the associated return.

Since starting this series of blogs back in September 2020, a lot has happened in the world of finance.

Most of us will have had some form of pension in the past. In many cases, because we don’t normally stay with the same firm our entire careers, we actually have accumulated multiple pensions through all our various jobs.

Four years ago, a major change happened in the world of pensions.

In my 30+ years as an independent financial adviser, I have come to understand that the start of the tax year is usually a good time to get into the market early.