Category Investing

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 […]

Where do stockmarket returns come from?

This blog is written for grown-ups who know where babies come from. But it has been brought to my attention that not everyone knows where stockmarket returns come from.  So let’s put that right. 2019 was another stand-out year for stockmarket returns around the world. The chart below is in $ terms so the percentages […]

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 […]

The Ice Sculpture, The Turkey and The Rollercoaster

Back in 2014, I wrote a blogpost called The Ice Sculpture and The Turkey that talked about the risks of investing (and the risks of not investing). I was reminded of this when discussing risk recently with Andy Hart from The Maven Money podcast. You can watch our discussion on investing here: You can boil […]

How to own The World (and how to move it)

I already told you guys how to own the world…you just buy something like the Vanguard Global All Cap Index Fund (VRXXB) via an online broker (also known as a platform). Why a global equities tracker fund? Because you then own shares in all the big companies in the world, you are diversified geographically and the […]

Honestly, could this investing lark be any easier?!?

Investing can be made really simple. It’s as easy 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. If you’re feeling nervous / insecure / over-whelmed, well…that’s […]

The Art of Wealth Preservation

OK, it looks like you made it to financial independence. Well done! You’ve spent the last decade or two with your spending locked down and your saving rate up at 50+%.  You’ve amassed a Freedom Fund worth 25x or more your annual spending.  That will probably be enough. This is sometimes known as “Fuck You Money”. […]