• Values based investing is our preferred term for what some might call “ethical”, “sustainable” or “socially responsible” investing.

• Vales are personal, so fund managers may differ in opinion as to what constitutes “ethical”

• You can apply negative criteria to help choose which funds might match your values e.g. a fund that does NOT invest in tobacco manufacture and

I’m no psychologist, but part of my job when Marketing FMB is to think about what messages will hit home when talking to clients and potential new clients. I’ve just been listening to a webinar by Dr Thomas Mather from the Behavioural Insights Team at Aegon Cofunds to learn more about how people make decisions about their finances.

95% of our decision making comes from

All companies have a budget for marketing and FMB is no different. We took a view some years ago, not to use it to pay for listings on external websites. We do have a free listing on Unbiased, the portal for consumers. This is a website to find a financial adviser which is often pointed out by journalists at the end of a feature about personal finance, for example in the

The government has announced that it is going to lower the Premium Bond rate from 1.4% to 1.3% from May.

For many years it was a given that it was worth having some investment in National Savings. The tax treatment was favourable and they were a safe haven for your money. The return of 1.4% seemed fairly comparable to many deposits.

Several things have changed:-

1. They

...and why its provision should be considered in your Business Plan

"Establishing a new company can be a very exciting time for you, your family and your employees but undoubtedly it can also be a stressful experience. In and amongst the plethora of protection policies that you will need to implement, from income to liability protection, you can easily overlook your key

The New Year period is a common time for people to take stock of their finances and make resolutions designed to boost their financial wellbeing. And a new study has found the likelihood of success in this area is heavily linked to receiving professional advice and the establishment of clear financial objectives.

Advice is key to success

The recently released research*

The turn of the New Year will have no doubt brought about an abundance of resolutions but we all know that sticking to them is the hardest part. If improving your financial fitness is one of yours for 2020, we have 5 resolutions that you can follow below:-

1. Calculate your personal net worth

This isn’t as difficult as it may sound. Firstly, you need to make a record of

But it's not about how much you have!

It always fascinates me listening to other couples talking about how they manage their finances. That is, if they are willing to share; talking about money is almost as taboo as talking about your sex life! But why is that? It strikes me that there is a correlation between a successful relationship and making financial arrangements