ESG Investing is here to stay. This is being driven firstly by a raft of new regulations and legislation coming from the EU around responsible investing, ensuring that investment managers consider carefully the ESG credentials of the assets in which they invest.

“It’s not just about the money” is a phrase I find myself using in nearly every client meeting these days. This stems from the evolution of the role of financial advisers and planners in recent years – a shift from focusing solely on a client’s money and investment returns achieved to a focus on the client as a person and what you want to achieve in your life. Our role today is to help you achieve your desired future life through careful and wise decision making in relation to all aspects of your finances.

When we’re designing an investment portfolio for our clients, we take into account quite a number of considerations. We start by understanding your investment goals and time horizons, and then we build a full understanding of your liquidity requirements, any asset class preferences that you might have and also the returns that you expect.

Do you remember 2013? It sounds quite recent, but then when you think about the major events that happened that year, they seem so long ago. That was the year that Nelson Mandela died at the age of 95, two homemade bombs ripped through the crowd of fans and runners at the Boston Marathon finish line, killing three and wounding nearly 300 others and Typhoon Haiyan killed over 6,000 people in the Philippines and south east Asia. It was also the year the word "selfie" became mainstream!