Warren Buffet first invested in Coca Cola in 1988. He (Berkshire Hathaway) now own 400m shares, 9.4% of that company.

As a result, on the 15th March of this year he received a payment of $168,000,000 from Coca Cola. In cash. It’s a quarterly dividend.

This is the most important calculation any investor needs to know. It is simply a shortcut to estimate the number of years required to double your money for a given rate of return / interest / yield.

In this free white paper, we argue that Modern Portfolio Theory is an inappropriate basis for generating a retirement or other long-term income for individual investors because their main objective is reliability of income, not capital growth.

Latitude is a wonderfully inclusive festival where young people can be let loose and those of us theoretically more mature can do the same.

The golden goose of low fees and high yields has been the dream for investors and advisers alike and a common way to try and achieve this has been to predict the markets. However, in reality, this is akin to trying to predict the lottery.

Very little work is done to help people understand what risks they face with investments, and you’ll have had ‘investments may fall as well as rise, and you may not get back the money you invested’…until the cows come home.

“People are coming into this time of life not wishing they were still working and productive, but quite the opposite. They’re saying: ‘Finally, I can do what I want, when I want and on my own terms. That’s what I’ve been dreaming of my whole life.'”

The point is its not just about the money.

Arranging a reliable income is an enabler for people to do the things that financial security is intended to bring. The gift of time.

Here we explore some of the new things we face as we grow older; providing care for our parents, writing a eulogy and more.

Dr Harry Markowitz received the 1990 Nobel Prize for Economics as a result of his 1952 paper that defined Modern Portfolio Theory (MPT).

MPT has incorrectly been migrated from its intended use in the fund industry to investment planning for individuals: we provide Markowitz’s own evidence of that error.

Research from the actuary Lane Clark & Peacock assessing modelling of retirement portfolios alongside consideration of relevant asset allocations for decumulation. It also outlines their thinking on why the heuristics on spending rules and portfolios need to be updated.

The government will increase your State Pension for every week you defer it. You delay, they pay. This increase amounts to 1% for every 9 weeks you defer or 5.8% per year. But is it worth it?

A very simple rule that is very important – investment returns are not symmetrical; if you have an investment that falls 20%, it has to then grow by 25% just to get back to where you started.

In our everyday course of business we are constantly assessing investments, and we abide by the rule that if it sounds too good to be true, it probably is. That said, we believe there are three simple concepts you can employ to potentially earn the same return with less risk.

As in every industry, the number of financial planners claiming to be experts are endless, but in reality, very few will give clear, personalised expert advice to those who are not planning investing with gold bars and computer code and mid-Atlantic hotel rooms.

Learn more about how much money you will need and how long it’ll last in retirement.

Investing might seem simple…buy low, sell high right? In reality, investing is a road riddled with potholes and cracks and successfully navigating it isn’t as easy as it might seem.

We took a look at what people see as their ultimate bucket list and were amazed at the sheer scale and diversity of what we found. Travel featured very highly and shows some commonality of destinations but for everything else the choices are endless.

When peace was declared in 1945 the resulting rise in the birth rate produced a generation who would grow up free of fear and none-too-keen on suffering as their parents and grandparents had done.

Statistically the most dangerous years of your life are the year you are born and the year you retire! For some stepping out of the rat race brings a sense of relief and opportunity, whilst for others it removes much of what defines them.