Welcome to our Guide to Creating a Diverse Investment Portfolio. ‘Don’t put all your eggs in the same basket’ is probably the best-known proverb advising investors about the importance of portfolio diversification to spread and reduce risk.
The major advantage of portfolio diversification is its ability to protect your entire portfolio from the volatility associated to various asset classes. In this […]
How to save for a rainy day and plan for a comfortable retirement.
Reaching wealth goals and achieving personal ambitions are major objectives of the financial planning process. In order to make plans for the future, you need to know where you are today and where you want to be in the future.
Wealth goal-setting is very much like creating a business […]
After last month’s budget, we at ad+ have been reviewing the Chancellor’s statement and the Budget documents to interpret the impact on our clients.
The good news is the further increase in the personal allowance and higher rate threshold, which has benefits for all. For business owners, the increase in Employment Allowances adds a further saving of £1,000 and the changes […]
Grappling with a number of significant headwinds
Unlike the rest of the world, the European economy has been hit by not one, but two major crises in the last decade. A few years on, we consider whether Europe is set on a path to recovery.
In 2008, the collapse of the US mortgage market sent shock waves across the globe and triggered […]
Our new edition of ad+ Smart Money magazine offers a range of articles containing practical advice and insight on some important personal financial planning issues:
Sort out finances with practical tips
Your questions answered about Pensions Freedom
Where in the world should you invest?
Gender disparity affects post-retirement financial planning
Hunting for more investment income?
How to get a clear long-term view of your finances
Download your […]
It is not what you plan, it is what you DO that produces results.
Knowledge is vital, but impotent unless applied in actions that are focussed on achievement of your defined goals. Combining knowledge and precise implementation leads to improved results, but maintaining that precise implementation over a period of time is exceptionally difficult.
Like all business owners, you know what you […]
The right maxim can give instant acceptance of advice we have heard numerous times previously but never acknowledged.
Andy Gunn quotes the following maxim at appropriate times, and many clients have a ‘light bulb moment’ when they hear it.
Turnover is vanity
Profit is sanity
But cash is reality
Andy, a Senior Accountant within the ad+ team, frequently helps clients with improving cash-flow, and so […]
This is such an important time of year for taking action on a number of financial and tax planning opportunities, especially for business owners who want to accumulate and preserve personal wealth.
Many companies throughout Central Scotland are enjoying an upturn in trading, including those within the construction and leisure sectors. ad+ is helping business owners within Glasgow and Lanarkshire to […]
In Scotland as throughout Europe, most workers now face a significantly longer life in employment than their parents or grandparents. Across 48 years of working[1] a typical individual entering the workforce today might expect to have nine full or part time jobs – and on average at least one major career change! Research from LV= shows a sharp shift from […]
No taxpayer is immune from HMRC investigations, no matter how good your records are. HMRC investigations can be worrying, stressful, and intrusive. Investigations are usually costly because you will require extensive professional advice.
ad+ insulates its clients from the unplanned fees caused by an HMRC investigation because Premier Protection is a condition of appointing ad+. Premier Protection is a tax investigation […]