Graham is MD of investment consultancy gbi2, and remarkably sprightly despite 38 years in the investment industry. Among his luckier exploits, he launched UK's first Corporate Bond fund (M&G 1995), the first online platform risk assessment and asset allocation process (Selestia 2001) and the first risk-targeted fund range (Spectrum, 2008). A former stock market and economics guru at virginmoney.com, he specialises in investor psychology and 'risk perception’, and buying guitars.