Site Logo
Site Logo

Holly's Blog: Where's the value in January?

25 Jan, 2019

Who delivers you great value? Which companies spring to mind when I ask that? Are they the cheapest, the most caring, the most enjoyable... What are the common denominators of value when we start to unpick this?

I have been spending more time than a sane person should considering this question. The regulator has asked this question of fund managers and given them until September to evidence how they are delivering good value for clients. We’ve been talking to some of our readers about this and have a final survey we’ve pushed out on a national basis to hundreds of investors.

Please help us if you can and share your thoughts ( – this will take about 10 minutes and we have 4 x £50 incentives to share with our readers who help out. Or if you can’t be bothered with the full shebang would you email me a braindump ( Which fund managers do you associate with value and why? Or who has categorically not delivered value and why? Thanks also to everyone who has ‘gone large’ on fund factsheets with marker pens and emailed these as photos with your comments – this helps us to see very clearly where the comms are not helping and not telling the story you want to hear.

There is a purpose to this. Getting rid of gobbledygook. Highlighting what matters. And working to make it easier for investors to identify the good from the bad. Your feedback is our ammo to take to providers and regulators and to push for change.

January sucks!

And so we’re crawling towards the last weekend in January, a joyful time in our sun-dappled island. The shadow of broken resolutions and online tax returns bringing joy to every step. Oh I’ve come over all Sylvia Plath.

Let’s find something constructive from this miserable month!

This January, the folk at Aviva have run a #planuary campaign ( – if you can pledge to make one financial change this month, what would it be? The campaign is aimed at women – and before you start shouting “Not Fair”, it picks up on the fact that the average woman ends up with £106,000 less in a pension than guys – and there are lots of helpful articles for those who aren’t super confident. We wrote a couple for them (,0,0,0,0), and chatted to three everyday women (,0,0,0,0) who are using their savings and money to fight for a better and more sustainable world. (Oh now the sceptics are really sucking lemons!) You don’t need to be at Davos to make a difference.

Have a good weekend everyone.


PS. For those feeling all January and sorry for themselves I dedicate a verse of Sylvia Plath’s “Waking in Winter” to you. I promise it will make you realise how relatively cheerful you are!! And remind you to back off the cheese late at night.

I can taste the tin of the sky — the real tin thing.
Winter dawn is the color of metal,
The trees stiffen into place like burnt nerves.
All night I have dreamed of destruction, annihilations —-
An assembly-line of cut throats, and you and I
Inching off in the gray Chevrolet, drinking the green
Poison of stilled lawns, the little clapboard gravestones,
Noiseless, on rubber wheels, on the way to the sea resort.