Call us on 0121 454 0910 or request a callback

Make an Enquiry
Client Login

Resources

How do we achieve financial freedom?

Featured Video

How do we achieve financial freedom?

For us, financial freedom is the whole point of investing. It's the point when your money starts working for you, instead of the other way round. So how do you get there, and what do you need to consider along the way?

INSIGHT: Diversifying in the USAcuityINSIGHT: Diversifying in the USThis issue takes a look at the lost decade, providing a useful reminder of why diversification is an important pillar to an investment philosophy.
INSIGHT: Presidents change, markets remainAcuityINSIGHT: Presidents change, markets remainThis issue was written just days before the results of the 60th U.S. Presidential election. Now that we know Donald Trump is the president-elect, it’s clear that, as with any election, media coverage has intensified, creating a flurry of commentary. However, the message for long-term investors remai
INSIGHT: Setting sensible expectations for investment returnsAcuityINSIGHT: Setting sensible expectations for investment returnsThis issue gives a high level insight into the framework in place used to build a sensible starting point for portfolio expected outcomes, whilst also illustrating the fact that investors don't have the benefit of knowing which future path markets could follow. The financial planning process is a ke
INSIGHT: The golden illusionAcuityINSIGHT: The golden illusionGold is a standout asset class of the last 3-years appreciating by around 15% p.a. in GBP & USD terms, 16% in EUR & AUD terms and 22% in NOK terms (to Sep-24, S&P GSCI Gold). The why don't we own any gold question tends to come up more frequently at these times, no doubt fuelled by the financial med
INSIGHT: The importance of rebalancingAcuityINSIGHT: The importance of rebalancingLeft untouched, portfolio risk exposures can drift. In this issue we describe rebalancing and demonstrate its importance in the investing process.
INSIGHT: A risk-focused approach to investingAcuityINSIGHT: A risk-focused approach to investingThis week, we discuss the four choices investors face as risk managers (as opposed to performance managers), providing one of the many examples that would fit into each of the four categories. We hope you enjoy.
Investing is simple, but not easyAcuityInvesting is simple, but not easyIn this issue we explain the notion that investing can be simple in concept, but accepting that it is not easy to do well. It requires a diligent investment process and a good financial adviser to ensure clients can enjoy the returns capital markets have to offer, and the knowledge that it will not
In investing, time is your friendAcuityIn investing, time is your friendDuring times of market volatility - as we have seen over the past month or so - it is important for investors to remind themselves that they are playing a long term game, and to tune out the short term market noise being reported by the financial media where possible.
INSIGHT: Avoiding the emotional cost of investingAcuityINSIGHT: Avoiding the emotional cost of investingOften overlooked is the cost of behavioural biases and irrationality that the vast majority of investors suffer from through time. Investing is not an easy game and we can all be sorely tempted to act on our biases, even though the overwhelming evidence suggests otherwise. A nice example from the 20
INSIGHT: Capturing the rewards of capitalismAcuityINSIGHT: Capturing the rewards of capitalismThis issue lays out the basics of investing and the two simple ways - being a lender or an owner - to participate in capitalism and to harvest the rewards that are on offer. In four simple charts we move from the concept, to the volatility of outcomes, to annualised returns, and finally to the growt
INSIGHT: Politics and portfoliosAcuityINSIGHT: Politics and portfoliosWith around 50% of the global population living in countries with elections this year, the market has a lot of noise and expectation to price in over 2024 and beyond. Ultimately, whether it is the conservatives or labour that are at the wheel (which has been the case for the last century or so), cap
INSIGHT: Inflation is a tax on your wealthAcuityINSIGHT: Inflation is a tax on your wealthThis issue is a short piece on the insidious erosion of wealth by inflation. We illustrate that cash is a poor store of real value, while equities provide the opportunity to deliver inflation-plus returns. Our final chart shows that those holding equities in the portfolio require staying power to ca
INSIGHT: The Investment Committee - paddling hard beneath the surfaceAcuityINSIGHT: The Investment Committee - paddling hard beneath the surfaceThis issue is a short piece on how an Investment Committee works hard behind the scenes to make sure that client portfolios continue to remain robustly structured and likely to provide clients with the greatest chance of a successful investment journey. Often - after much analysis and discussion - t
INSIGHT: How much is enough of a good thing?AcuityINSIGHT: How much is enough of a good thing?Most of us can think back to our childhoods and remember a time when we ate too much ice-cream, the moment from feeling wonderful to feeling sick, so is there a point at which you can have too much of a good thing when it comes to index investing? In this issue we look into why to keep spooning in t
INSIGHT: Tempering FOMO and regret through diversificationAcuityINSIGHT: Tempering FOMO and regret through diversificationIn this issue we look at why diversification matters because investors own portfolios today for the future and given that markets do a pretty good job of incorporating information into prices, we have no forward-looking insight into which company’s shares are going to outperform. We can avoid both
INSIGHT: Make your investment bed and lie in it!AcuityINSIGHT: Make your investment bed and lie in it!The reality is that markets work pretty well at incorporating information into prices and trying to beat the market – through either market timing or stock picking - is a tough game, with very few winners. Simply making your investment bed out of a diversified market exposure and lying in it over
INSIGHT: Risk means different things to different peopleAcuityINSIGHT: Risk means different things to different peopleThis issue looks at the challenge of understanding what risk means to an investor. We contrast short-term volatility with longer-term goal risk and use the long run (1926 -2023) US data for cash and equities to make the point. It may surprise some to know that cash suffered a 50% fall in purchasing
INSIGHT: Looking for the NVIDIA needle in the S&P 500 haystackAcuityINSIGHT: Looking for the NVIDIA needle in the S&P 500 haystackThis issue looks at the astonishing rise of NVIDIA and points out that those invested in highly diversified systematic funds actually owned NVIDIA 10 years ago when it represented less than 0.1% of the S&P500 and its stock price was less than $5. Today it represents 4.6%, a 65-fold increase and its
Show More

Subscribe for updates

Subscribe to BRWM World to receive the latest news and views from BRWM.

Subscribe for updates

Privacy Policy

Quick links
Contact us

T: 0121 454 0910

F: 0121 410 5619

E: Email us

Barnett Ravenscroft Wealth Management
13 Portland Road, Birmingham B16 9HN

Barnett Ravenscroft Wealth Management is a trading name of Barnett Ravenscroft Financial Services Ltd which is authorised and regulated by the Financial Conduct Authority and is Registered in England No. 4013532