Financial Planning Sarah Haines Financial Planning Sarah Haines

Diversification

Diversification is an investment strategy that lowers your portfolio's risk and helps you get more stable returns.

You diversify by investing your money across different asset classes — such as shares, property, bonds and private equity. Then you diversify across the different options within each asset class.

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Financial Planning Sarah Haines Financial Planning Sarah Haines

Life happens when you’re making other plans

From Proverbs to John Lennon, many people have said it - and the last nine months have been a reminder of its truth: life happens when you are making other plans. While investors were worrying about the recession that sharply rising interest rates would surely lead to, fretting about the cost of living and waiting for unemployment to rise and earnings to drop, the stock market was quietly building a powerful rally.

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Financial Planning, Retirement Sarah Haines Financial Planning, Retirement Sarah Haines

What does Retirement mean to you?

Retirement, for many, signifies the culmination of decades of hard work and the well-deserved opportunity to enjoy life on one's own terms.

It's a phase where the idea of flexibility takes centre stage, providing individuals with the freedom to dictate their daily schedule, engage in activities they love, and spend quality time with people they love.

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Financial Planning, Estate Planning Sarah Haines Financial Planning, Estate Planning Sarah Haines

Yours, mine & ours - estate and succession planning for modern families

Navigating complex family relationships and blended families can be challenging at times and particularly when a family member dies.

A good estate plan can help to make sure your wishes are carried out when you die. An estate plan, of which a will is the first and most important part, can ensure your estate is distributed in the way you want.

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Financial Planning Sarah Haines Financial Planning Sarah Haines

When enough is never enough

How much is enough? It’s a good question. Our relationship with our finances can be a tricky one. Everyone has a different idea of how much it takes to be comfortable or even well off.

Given it is something that has such a strong influence on how we live our lives it’s unsurprising that money, or the pursuit of it, can develop into somewhat of an addiction.

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