What are Bonds?

What are Bonds?

“I’m confused! What exactly are bonds?!” This is a question that we get A LOT. The term Bond is used for lots of different types of financial arrangements and because of this Bonds can mean many things to different people. Read our PDF to find out more. What are bonds...
Newsletter December 2022

Newsletter December 2022

We want to help keep you informed with your investments, markets and all things financial, as well as online events you may be interested in, and what’s new with Sapphire Financial Planning. To find out more read our December Newsletter
Platform or Advice?

Platform or Advice?

When investing you have a choice of receiving advice on which investment is suitable for you, or to choose to invest with a platform provider. But what is a platform? Read our pdf to find out more. Platform or Advice The value of an investment with St. James’s...
Christmas All Wrapped Up!

Christmas All Wrapped Up!

It’s beginning to feel a lot like Christmas! Yes, the festive season is here already and most welcome it is! We are all trying to keep Christmas as special as we can for our families and loved ones. But after you have wrestled with the wrapping paper and you are...
Timing the Market, or Time in the Market?

Timing the Market, or Time in the Market?

It is the nature of investments to go up and down in value, and if we knew with absolute certainty what their value would be tomorrow, we would be very rich! But what is more important, timing the market, or time in the market. Read our pdf to find out our thoughts....