Our insights

Our investment experts provide frequent insights, debating the exciting trends that are shaping our world. Read our latest articles below.

Changing World

will a new normal need a new approach 

Will the new normal need a new approach?

The ramifications of the Covid-19 pandemic will be long-lasting, changing the way we do things, not least how we conduct business and interact with clients.

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Why charities need your advice

Did you know there is currently around £17 billion* of uninvested cash sitting with the top 5,000 UK charities? That’s a significant untapped market that could benefit from your advice.

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Why 'out'sourcing is the 'in' thing

With significant demands on time and resources, advisers might be feeling stretched to capacity. Outsourcing day-to-day investment management responsibilities to a discretionary fund manager (DFM) is one way to alleviate the strain. This is pertinent in current volatile market conditions, when rebalancing clients' portfolios can be particularly challenging.

Here we look at some of the benefits of outsourcing and how it could help future-proof your business.

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Staying ahead in a changing world

Sometimes it feels as though the world is changing at a faster rate than at any other time in human history and, with that, our attitude to money, savings and investments. Advisers are living in challenging but exciting times.

We have identified three areas that merit close monitoring; social, legislative and regulatory change. These issues are all interconnected and are already influencing the advice needs of clients.

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Active and passive - a place for both

Changes in the financial market backdrop and increasing regulatory scrutiny have thrown the active versus passive investment debate sharply back into focus.

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'DB or not DB' still seems to be the question

It is over two years since the game-changing pensions freedom legislation was introduced by the UK government. While the new rules have largely bedded down, pension transfers still remain as contentious as ever and continue to divide opinion. So with the question of 'DB or DC' still reverberating, how has the debate moved on?

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An Extra Special Generation

Heraclitus may have said it first, but it's as true today as it was in ancient Greece: the only thing that is constant is change. And today's world is arguably one of the most changeable and uncertain versions to date.

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Those who dare, diversify!

In the current low interest rate environment, investors are having to cast their nets wider for sources of return. Here we examine why greater diversification can be beneficial and how advisers can help clients achieve this.

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Pension Freedoms

How many specialists does it take to make a transfer? The 'boom boom' in pension advice

No laughing matter or the advice opportunity of a generation? More than a year after the introduction of the pension freedoms, the issues around transferring from defined benefit (DB) to defined contribution (DC) schemes remain the topic of much debate. Here we discuss this growing area of interest and the regulatory backdrop, as well as the threats and opportunities for advisers.

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Pension transfer risk - from me to you

Tempted by the flexibility of the pension freedoms and large transfer values, a growing number of people are moving out of their defined benefit (DB) pensions into defined contribution (DC) schemes. But by doing so, investment risk shifts from employer to employee. So how can you ensure your clients understand the implications of transferring their accumulated pension benefits and how can you help them mitigate some of these risks?

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Pension legislation and regulation – running to keep up

Clients have more flexibility and choice when it comes to planning for their retirement – and that's undoubtedly a good thing. This has led to unprecedented demand for advice. Again, a good thing for the adviser community. Where things get really tricky though are in areas where regulation has failed to keep pace with the sweeping changes in pension legislation.

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Industry analysis - The changing face of wealth

If there's one certainty in life, it's that nothing stays the same for long. That's definitely been the case for the adviser community. The recent pensions freedoms join a long list of industry upheavals to which advisers have had to adjust. Here we consider how clients and their needs are evolving. We also look at some of the newer challenges that advisers face, particularly around pensions transfers, and how outsourcing to a discretionary fund manager (DFM) could help.

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Harnessing potential - The great retirement rethink

There is no doubt that we are in the midst of a financial planning revolution – particularly around retirement. Clients have more freedom and choice than ever before as to how they use their pensions savings and accumulated wealth, while their advice needs are much more complex. And at the coalface of this transformation are advisers. But with great change comes opportunity, so how can advisers take advantage of this unparalleled period of business potential? Read more

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Investment outsourcing - unlocking the market potential

The adviser community is facing challenges from all directions; regulatory scrutiny, changing legislation and more complex demands from a growing number of clients. Here we examine how building a centralised retirement proposition and outsourcing clients' investment management could alleviate some of these strains and unlock a period of unprecedented business potential for advisers.

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Client magazine - Capital Thinking

Capital Thinking Spring

Capital Thinking - Spring 2020

The start of a new year is when many people complete their tax returns, spring clean their homes and tidy their gardens. It is also a good time to review your finances and investments. From financial housework to galactic cleaning, this edition highlights some of the tech companies trying to keep our cosmos clean. We also examine how the airline industry is attempting to combat climate change, and how an innovative brewer is bringing clean water to Africa.

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Capital Thinking Autumn

Capital Thinking - Autumn 2019

Nature puts on a colourful display during autumn. And appropriately, its nature on which many of our articles focus. This edition covers diverse topics such as ‘why Blockchain could save the Amazon’ to ‘indoor farming’ and ‘greener shipping’

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Capital Thinking Spring

Capital Thinking - Spring 2019

Our client magazine, just like the company branding, has received a makeover too. This edition contains an array of articles that look at the 'race to renewable' through to 'searching for tech unicorns' and 'how to beat cyber criminals'.


Investment involves risk. - The value of investments, and the income from them, can go down as well as up and an investor may get back less than the amount invested. Past performance is not a guide to future results.