Insights

There’s no one-size-fits-all approach to building wealth and securing your financial future. This is where an investment strategy can help - a roadmap tailored to your goals, risk tolerance, and timeline. Strategies vary from conservative, income-focused approaches to aggressive, growth-oriented ones, depending on your goals and risk tolerance. What To Consider Before Investing Understanding Your Financial Situation Before choosing an investment strategy, assess your current financial standing. Are you in a stable position with some savings? Are there debts to pay off? Knowing where you stand financially can help you determine how much you can comfortably invest and what approach

Saving money is one of the cornerstones of financial stability, but determining how much of your income to save can often be confusing. The right savings rate depends on several factors, including your financial goals, lifestyle, and income. In this blog, we'll explore practical guidelines to help you determine how much of your income you should save, as well as unique insights that can make your savings strategy more effective. General Guidelines: The 50/30/20 Rule One popular starting point for determining how much to save is the 50/30/20 rule. This budgeting guideline suggests dividing your after-tax income as follows: 50%

Working out how much you need to retire comfortably is one of the most important financial decisions you’ll make. This amount depends on several factors, including your expected retirement age, desired lifestyle, healthcare needs, and income sources such as pensions. A common rule-of-thumb is to save 80% of your current annual income to maintain your lifestyle in retirement, however, this oversimplifies the complexities of retirement planning - after all, each person’s retirement is unique! Factors such as income level, savings, and lifestyle needs can vary widely for each individual. As such, knowing how much you need to retire often calls

Ethical investing, also known as socially responsible investing (SRI) or sustainable investing, has rapidly gained popularity as more investors seek to align their financial goals with their personal values. At its core, ethical investing means choosing investments based on personal values, often tied to environmental, social, or governance (ESG) factors.  Ethical investors avoid companies that engage in activities they consider harmful, like tobacco, fossil fuels, or weapons manufacturing. However, ethical investing isn't just about avoiding harmful industries - it's also about actively supporting companies and sectors that contribute positively to society and the environment. What qualifies as "ethical" can be