Category Investing

There is no such thing as 100% safety, there are only trade-offs

Like many other people, I get emails. One thing I noticed about these emails in 2020/21 is that many of them ask whether I am “staying safe”? Sadly not…I have been involved in that dangerous activity called “life”. Scientific studies show that 100% of lives end in death. Perspective When I was at primary school […]

Choosing a global equities tracker fund

The financial media and the financial services industries bombard us with marketing, jargon, junk data and misinformation. The result is that people new to investing who need to make a sensible fund choice in their workplace pension or their stocks & shares ISA get overwhelmed with information overload…leading to confusion and procrastination. With interest rates […]

The 3 Flavours of Investment Risk

This post was first published in September 2019 and updated in December 2020. Most people think that investing in the stockmarket is dangerous. This is not really true. Catching Ebola is dangerous. Juggling chainsaws is dangerous. The stockmarket just contains some risks that you need to know about. And if you buy and hold a […]

The stock market is a supercomputer and the news is already in the price

In online financial discussions, there are bears and bulls, boomsters and doomsters. Sadly, the curse of investing debates is that the bear case often sounds smarter. To add the impression of evidence, the doomsters often include a link to some crappy online news article…YEAH, BUT WHADDABOUT THIS?!? This has been particularly so during 2020 during which, […]

Victory is Inevitable (Part 2)

It’s always darkest just before the dawn. It may not feel like it but we are already through the most dangerous time. What do I mean by that? We are certainly not through the health impact of COVID-19. Nor are we through the economic aftershocks which are coming down the road towards us. These will […]

Victory is Inevitable (Part 1)

On a long enough timeline, your chances of getting wealthy are close to 100%. Wealth accumulation is the ultimate long game. If you stick with it for long enough, there are only 2 outcomes. One is that you get wealthy (compared to where you are now). The other is that the world as we know […]

Sweat Those Assets!

Let’s say you own a boat / caravan / painting that’s sat idle in your garage worth £10,000. You didn’t use it last year and it earned you nothing. But if you’d sold it and invested the cash in a global equities tracker fund, last year you’d have made £2,200 (22%). In a more average […]

Human progress drives long term stock market returns

2019 was another stand-out year for stockmarket returns around the world. The chart below is in $ terms so the percentages in £ sterling terms will be slightly different but you get the picture: Source: http://www.visualcapitalist.com Results like this will, for many people, prompt the thought that it’s all too good to be true and […]

How To Build A Compounding Machine

Imagine a black box. Your job is to earn and save as much money as you can. You put the cash saved into the black box…into your compounding machine. Once you put the cash inside the box and close the lid, the magic starts to happen. Inside the black box the most powerful force in […]

Investing made simpler

Investing can be made really simple. It’s as simple to invest in the stock market and manage your own portfolio as it is to manage an online bank account. But what to buy? With thousands of heavily marketed funds, we get bombarded and over-loaded with information. To cut through all the noise, I wrote a […]