Income share classes and what they quietly change
Distributing share classes alter cashflow and can nudge a portfolio off its ranges if dividends sit idle.
Field Notes
Short essays from the consultation desk — written for investors who already hold ETFs and want clearer allocation habits.
Cash drag after a property sale
Large cash after a house sale needs a staged entry plan — not a single day’s shopping list of ETFs.
Rotation triggers that survive a noisy week
Good rotation rules name the condition, the band, and the waiting period — not the headline.
When two global ETFs are the same bet
Look-through analysis often shows ‘diversified’ global trackers sharing the same mega-cap spine.