Opinion

It was one thing, of course, talking through the potential portfolio losses, in the comfort of an annual review – quite another to starkly report back actual losses to a client, running into several thousand or even tens of thousands of pounds. Below, four advice firms relay typical conversations they have had with clients, during […]

By Louis Williams, Head of Psychology and Behavioural Insights Why do previously risk tolerant people panic and sell when faced with a significant portfolio loss? Such paradoxical behaviour has damaged both the overarching financial planning and investment process and also the adviser-client relationship, which lies at the heart of the industry. How might we help […]

By Abhi Chatterjee, Chief Investment Strategist In the last six weeks, I have seen more from my home office desk than all the time I have previously spent in my career on trading desks. To recap, what have we witnessed? The single largest day increase in VIX since 1990 Two of the largest daily falls […]

It is estimated that roughly one in three of us globally are currently living in lockdown, to varying degrees, against the backdrop of the ongoing coronavirus crisis. Here in the UK, we are now entering week seven or week eight for many of us, since the first announcement from government on 16 March to, if […]

Accurately risk profiling your clients and subsequently matching them with suitable investments has arguably never been in sharper focus than it is today. Financial markets dropped more dramatically, by broadly 25%, than ever before from 16-19 March this year. Of course, as a result, it is vital, amid such volatility, for a client’s portfolio to […]

By Chris Jones, Proposition Director In a capitalist free-market society, I have a choice to use the fruits of my labour to buy things from a company or buy parts of a company. But, because I am human I rarely think about it and invariably spend more on buying things because I get immediate gratification. […]

This year and particularly since mid-March, the whole financial services industry and indeed world has changed in ways few of us could have imagined. The provision of financial advice has always been a very sociable and personal service. Many times in discussions with Dynamic Planner users over the years, I have been told that firms’ […]

The coronavirus crisis has turned lives and habits upside down, almost overnight, in 2020. All of us, across the UK and globally are coping and managing the best we can. From 17 March in the UK, huge numbers of us, following government advice, began working from home indefinitely, against the broader backdrop of being increasingly […]

The coronavirus pandemic – with enormous speed and significance – has impacted almost every aspect of our lives in the UK in recent days and weeks. From mid-March, huge numbers of us began working from home indefinitely, against the broader backdrop of being increasingly told by the government to avoid trips outside and contact with […]

Our natural desire for human contact creates a logistical challenge clearly, at the moment. Obviously, we’re used to seeing people face-to-face and currently that’s simply not possible. I would urge you to look at Dynamic Planner’s Client Review process and report that we put together and released exactly for times like this. Within the report, […]