Many investors assume that holding lots of different funds automatically means better diversification — but that’s not always true. This post explores why the number of funds you hold matters less than what’s actually inside them, when a single fund can be enough, and how true diversification is more about uncorrelated exposures than fund count.

Convertible bonds are a unique hybrid investment that combine the steady income of traditional debt with the potential upside of equity. In this post, we break down how these financial instruments work, why companies issue them, and what makes them appealing to investors. Whether you're a seasoned investor or just getting started, understanding convertible bonds can open the door to smarter portfolio diversification and strategic risk management.

When evaluating the long-term role of stocks in a portfolio, it's essential to consider not just their returns, but what those returns mean in real terms. Since the early 19th century, stocks have consistently outpaced inflation and delivered substantial gains in purchasing power. In contrast, cash and short-term bills have struggled to keep up with rising prices, often resulting in a slow erosion of real wealth. This highlights a key advantage of equities: their unmatched ability to grow capital over time. For investors with long horizons, including stocks in a portfolio isn’t just sensible—it’s necessary for building and preserving real wealth.

When it comes to building a balanced portfolio, bonds are often overshadowed by the flashier world of shares. Yet fixed interest bonds remain a crucial tool for investors seeking reliable income and capital preservation. In the UK, the bond market is diverse—ranging from government-backed gilts to environmentally focused green bonds. This post breaks down the key types of bonds available to UK investors, explaining how they work, who issues them, and why they deserve a place in your investment strategy.