Category Investing

It’s already in the price

In online financial discussions, there are bears and bulls, boomsters and doomsters. Sadly, the curse of investing debates and discussions is that the bear case looks / sounds smarter. To add the spurious impression of evidence, the doomsters often back up their argument with a link to some crappy online article…YEAH, BUT WHADDABOUT THIS?!? This has […]

The inestimable advantages of having a plan

There’s nothing quite like a global pandemic or a zombie apocalypse to focus the mind and bring perspective to our first world problems. Tough times have the potential to bring out the best in people. But recent events have reminded us that humans don’t deal well with invisible threats. We fail to plan for unforeseen events […]

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 […]

Where do stockmarket returns come from?

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 […]

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 investment risks recently with Andy Hart from The Maven Money podcast. You can watch our discussion on investing here: You can […]

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 […]

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”. […]