Category Investing

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 […]

Investing made simpler

This post was originally written in Nov 2018 and updated in March 2020 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 […]

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”. […]

Do you even know what’s going on in your pension?

Here’s a question for you: Who is responsible for your pension? Now, if you answered “errr, don’t know” or “my financial adviser” or “I think its an insurance company”, then that’s pretty normal.  But its the wrong answer. The correct answer is that YOU are responsible for your pension! I’ve noticed that even people who […]

There’s a major market crash coming…

This article was published in 2018 and edited (for brevity) in March 2020. Crashes are a fact of life. The housing market and the stock market are both prone to crashes. It’s just that these crashes look different. In a housing market crash, prices are “sticky” and slow to adjust downwards as sellers resist price […]

What if you know nothing about investing?

A couple of weeks ago I was asked to give a talk to the support staff at a company about their workplace pension choices…now that pension auto-enrollment is being introduced. Everyone there was female…other than one token male and The Escape Artist.  Some knew a lot about investing but most didn’t. And being women, they were […]

International investing is Easy

Whatever your views on the EU referendum, last week was a reminder of the value of international diversification. Despite the scary headlines, a UK based investor with a sensibly diversified portfolio would have ended the week richer (measured in £) than they started. Below is an updated post that I originally published last year.  It’s as […]