What Stocks and Shares Should Beginner Investors Buy – 8 Factors To Look At

When it comes to modern day investing advice, the majority of newbie investors are given the advice of sticking their money into a low cost index fund such as the FTSE100 or S&P500. THE rise of passive investing has been great for the individual investor as it means they can get wide diversification for low cost with a single purchase. The low cost is the key part and that is why passive indexes have outperformed the more actively managed and more expensive mutual funds. If you are an investor with no time, can’t tell the difference between a balance sheet and profit and loss account and don’t want to do […]


Which Royal Dutch Shell Shares To Buy To Avoid Paying Dividend Withholding Tax – RDSA Vs RDSB

There are a number of companies that are dual listed i.e. there stocks are traded in different countries. For the biggest companies, the price of the stock is usually the same on the two or more exchanges the stock is listed on. One might think that it does not really matter on which countries exchange you buy the stock. But as an individual investor, it is imperative you buy a stock you are after on the right exchange – by this I mean buying the stock in the country with a lower dividend withholding tax rate for instance. Let’s take Royal Dutch Shell for instance. It is a dual listed […]


Fear Of Missing Out – Investors Worst Nightmare

One of the biggest detractors to investment performance is FOMO or Fear Of Missing Out syndrome. This is when you make an investment, whether it be stocks or any other asset, simply because you do not want to miss out on the possible gains it makes. You do not want to miss out on the gains therefore you buy something out of fear of missing out as opposed to being rational and looking at the numbers. Buying assets just because you fear missing out on the gains does sound stupid but it occurs more often than people like to admit. It happened in the dot-com bubble where people were investing […]


Two Year Self Invested Stocks ISA Account Performance Review – Still Beating The Market

How time floes. In two weeks time, I will be celebrating my 2nd anniversary of my active stocks and shares ISA portfolio. Over this time, we have had the Greek Crises, the oil crises, the commodities crises, the Chinese crises, rate increases, emerging market slowdowns, Brexit, populism and the trump bump. Yet it still feels like its only yesterday that I took charge of my own money and bought my first stock. With my portfolio and tax year ends quickly approaching, now seems a good time to analyse my performance over this period. I need to know if actively investing by picking my own stocks has been a good choice […]


3 Things To Look In Shareholder Letters

Most investors today tend to ignore annual reports. They are more content with analysing financial data from Morningstar or Stockflare than that in the raw form from annual reports. There is nothing wrong with this but it is important to remember that these fast financial data sites do not contain all the information found in an annual report. For one it doesn’t include any small print or strategy information. For another, it doesn’t contain shareholder letters. It is imperative for any serious to have a look at the shareholder letter of a company they want to invest in or are already invested in. These letters give a broad overview of […]


Burberry (LON:BRBY) Shares Sale : When A Stock Is Overvalued Sell

Having gone years without selling out of a position, it feels odd writing about my second share sale so quick after my first one. Making my second stock sale all the more remarkable is I didn’t think it would be Burberry. Since initiating my position in Burberry back in July 2016, I imagined that I would be holding these shares for years and years – even though I didn’t see it as a legacy position. Whenever I make a stock purchase, the company I am investing in either has to be a serial compounder of wealth or it is fundamentally undervalued. The biggest opportunities for large returns are by buying […]


Brickowner – A review of how investors can invest in property with little money.

In the UK, we love our property. Many individuals here understand property better than any other asset class. It is no surprise that the buy-to-let boom which has taken place over the past couple of decades has minted many millionaires. And it will continue to mint many more. The only problem with todays would be property investors is that it is too hard to save for a deposit and even if you do, you will normally be financially outmuscled by someone with an existing buy-to-let portfolio. Thankfully for small investors like myself property crowdfunding exists. Property crowd funding allows individuals with little capital and minimal knowledge of the property sector […]


Warren Buffet on Consequences of Trump Tax Policies – Will Lower Taxes Increase Profits?

Ever since Donald Trump got elected as the president of the United States, there has been constant chatter in the corporate world about the US reducing its corporation tax rate. President Trump wants to reduce the corporation tax rate in the US to 15%. This is music to Wall Streets  ears  as it would mean more money flowing in to the pockets of investors. As a result of reduced taxes, stocks have began to price in more profits by rallying higher. But the question is, does a reduction in taxes  lead to increased profits or does it lead to lower prices for consumers? That may seem like a silly question […]


February Stock Purchase – GSK, Experian, Sage, Shire, Fundsmith, Free Cash Flow

The big news over the last month was Kraft-Heinz failed takeover bid of Unilever. I remember Krafts initial approach and its subsequent quick abandonment vividly. On 17 February when the approach made by kraft was leaked to the media, I remember thinking that I hope management does not engage with Kraft at any level. Thankfully, that is what happened and the news of the deserted takeover on 19the February was music to my ears. When it comes to investing, I do not look for quick gains. I don’t want to sell the wonderful companies I own for a quick buck. I don’t want to sell the golden goose for an […]


Investing Is More About Emotional Control Than Technical Skills 1

One question I keep getting asked is ‘what is the most important skill to have as an investor.’ Many people think the answer is something technical like great analytical or quantitative skills. But the answer is much more simple than that; in theory. The most important skill in my opinion is the ability to keep your emotions under control. The ability to keep your head in check when the world is going mad. The ability to think rationally. All the great investors, from Buffet to Templeton to Munger to Klarman understand this and that is why they are truly great. In down markets, they keep their cool by not selling […]