These are the disciplines I like to apply when constructing a pension portfolio

If something looks too good or too easy to be true it very often is, writes Michael Murray

Occasionally, readers seek guidance on how to build a portfolio for themselves or for their children. But to give financial advice to individuals, one has to be regulated – and there is a heavy and costly burden attached to that.

People’s individual personal and financial circumstances, their time horizons, goals and risk appetites are very varied and often change. So ‘chat’, ‘ideas’, ‘personal perceptions’, as well as ‘reflection’ on my own good and ...