RJM Financial based in Scotland

Financial Links

Welcome to our Financial Links page where we have compiled and published a list of useful resources to assist you when researching financial products.


The A-Z of Financial Planning

The A-Z of financial planning, a dictionary to help you comprehend essential financial concepts and principles.

Annual Declines

Market corrections come around frequently.

Around the World

Good luck picking consistent winners, this is why you should 'buy the world'.

Don't Neglect The Golden Goose

Without the Golden Goose (you), there can be no eggs. It's a generalisation, but we see more people hesitant to insure the Goose than we do taking risks with their Eggs.

Good Investing Should Be Boring

The process that's always worked is choosing the appropriate asset allocation and then showing discipline and patience. While it may not be exciting, the outcome of financial independence is very exciting.

Informed Risk

Risk is not knowing what you are doing.

Investment Policy Statement

Helping clients to make great investment decisions is, therefore, a responsibility we take very seriously.

Risk is...

Not achieving your cherished life goals, Not understanding stock market history, Choosing short-term comfort over long-term and more.

Successful Investing in Pictures

The investing world is full of people looking for shortcuts to quick riches, and there’s no shortage of professionals willing to sell you a cure that doesn’t exist.

The Power of Compounding

Compound interest is nothing more than earning interest on interest. In year two, it may seem insignificant, but given enough time, the numbers become substantial.

The Wall of Worry

Our chart shows the growth in world equity markets despite a never-ending stream of negative world events.Risk is not knowing what you are doing.

What Was Working Once

What Was Working Once vs What has ALWAYS worked

Your Most Important Investment Decision

Your asset allocation needs to take into account your willingness, ability, and need to generate the returns provided by stocks. You also need to be able to endure the regular fluctuations in price, and your emotions, that come with being an equity investor