by Tom Ralph | Apr 7, 2026 | Plan Well, Tips & Advice
At first glance, it has a certain appeal. The gain is realised, the base cost is refreshed, and after a month the investor is back where they started. Neat, tidy, job done. Except, in practice, it is often more trouble than it is worth, and sometimes it does not...
by Tom Ralph | Mar 3, 2026 | News, Plan Well, Tips & Advice
How should we think about cashflow in a world where rates are falling again? The answer is both reassuring and subtle. Some things change. Some things do not. The Illusion of “Easy Interest” Over the past two years, cash accounts and short-term deposits offered...
by Tom Ralph | Jan 2, 2026 | Live Happy, Plan Well, Tips & Advice
When people picture successful investing, they often imagine activity: buying, selling, switching, reacting. Financial news reinforces this image, rewarding confidence and speed. Yet history tells a quieter story. Time allows compounding to do its work. Returns earned...
by Tom Ralph | Dec 4, 2025 | Plan Well, Tips & Advice
Asset Allocation: The Foundation of Returns Asset allocation is the process of dividing your investments across different types of assets—such as global equities, government and corporate bonds, cash, and alternatives like infrastructure or property. Numerous academic...
by Tom Ralph | Oct 6, 2025 | Plan Well, Tips & Advice
The Role of Cash in a Financial Plan Cash has three main jobs in your financial life: To cover emergencies (like a broken boiler or unexpected car repair) To meet near-term spending (like a holiday, house move or school fees) To provide psychological peace of mind...
