Financial planners often face the question: “Should I invest everything now or phase it in?” There are two main approaches: Lump
Sum Investing (LSI), which invests all the money immediately, and Cost Averaging (CA)

There is a well-known story about Pablo Picasso at the height of his fame. While dining in a restaurant, a fan approached
him and asked if he would create a quick sketch on a napkin, offering to pay whatever price Picasso named. Picasso took a charcoal pencil from his pocket and quickly drew the image of a goat. H

Global tensions have been at the forefront of headlines in recent weeks, with investment markets inevitably responding to events like a thermometer measuring global economic health. Whenever something dramatic happens in the world,

Back in 1986, Brinson, Hood, and Beebower (BHB) shocked the investment world by studying ninety-one large
U.S. pension plans and concluding that asset allocation had the greatest impact on variability of returns.

Investor behaviour determines investment returns. The emergence of behavioural coaching as a key value-add from financial planners is a direct response to the potential that investors may sabotage their own outcomes.

We are living in a changing world, and the jury is still out on the full impact of technological transformation on financial advice. Increasingly, the question will be asked by consumers: Do I need to consult a human financial adviser when an AI model could be my adviser?