Yearly Archives: 2019


Freetrade Is Giving New Users Free Shares! Sign Up Codes

After a long wait, the first fee free share dealing platform has launched in the UK. Freetrade has fully launched in the UK and is offering £0 dealing charges for both buying and selling shares. How sweet is that. Finally we have a robin hood alternative in the UK. I did a writeup of free trade last year before it launched and I will be doing a new review soon now that I have started using the product. So why this post? Free stuff that’s why Currently free trade is offering free shares to users in instance where they sign up via an invite.So if you want a free share […]


August 2019 Monthly Stock Purchase Programme – Volatility ABF VCT

What a crazy August we have just witnesses. Volatility once again reared its ugly head causing the market and many individual stocks, particularly those on the smaller end of the spectrum, to rise and fall seemingly at a whim. The old concerns surrounding the US China trade war, Brexit and Federal Reserve interest rates seemed to bubble up again. All three aforementioned concerns have global knock on effects and it is no surprise hyperactive market participants fret at the release of every new tidbit of information.   The best thing to do at this time is not to panic. Instead one should be invested in high quality companies they have […]


10 Golden Rules Of Investing

A reader recently emailed me asking what golden rules or tips I follow when it comes to investing. Here are the ones I find key to my own investment journey. You don’t need lots of money to start investing. Even small amounts make a difference. Small amounts add up over time.   You only need £70 a week to become a millionaire. The best time to start investing was 10 years ago. The next best is now. Don’t try to time the market. There are only two types of people: those who can’t market time, and those who don’t know they can’t market time. Time in the market is the most important […]


What I Have Been Reading – August 2019

Why Buffett Is The Greatest Investor Of All Time Before running Berkshire Hathaway, Buffett ran an investment partnership for a small group of individual investors and families. Reported returns from 1957-1968 were 25.3% annually (31.6% before fees, which were 25% of any gains above a 6% hurdle) vs. around 9% per year on the Dow. Towards the end of this partnership, Buffett turned Berkshire Hathaway into his investment vehicle of choice. Since then Berkshire Hathaway has more than doubled up the annual returns on the S&P 500 — 20.6% annually vs. 9.6% annually from 1965-2018. But even those staggering annual returns don’t tell the whole story. The total returns over […]


Investing Small Amounts Adds Up – £70 A Week To Be A Millionaire

One of the biggest reasons people think as to why they are unable to invest money is that they have too little of it to put to work. They suffer from the misconception that you need to start socking away thousands of pounds a month in order to make it worthwhile. If they don’t have this kind of money, it is not worth it. If they don’t have this money, why even bother. I have written before in a post tilted Everybody Starts Small why this is simply untrue.   Yes once upon a time you had to be rich in order to invest on the stock market. But that […]


Why Everyone Needs Financial Freedom – When Catastrophe Strikes


Financial freedom is important. But not many people seem to realise it. Even if you have no intention of escaping the rate race and quitting your job, I would argue that everyone needs to earn enough passive income to cover their expenses. For who knows, your world as you may know it might end tomorrow just by one silly or reckless mistake.   Think this is impossible? Just look at the anchor woman fired over a Facebook post. The man let go from his apprenticeship at a Cleveland-area real estate firm after a tweet. The women fired from her job before she even starts it after a tweet. And the […]


What I Have Been Reading – July 2019

Compounding [A former cop] acquired properties for next to nothing—“Nobody wanted them,” he said—and now owns about 1.3 million square feet of buildings and another 385,000 square feet of undeveloped land in Brooklyn, mostly in Red Hook. O’Connell, 77, said he doesn’t track the value of his holdings, but Bloomberg estimates they’re worth at least $400 million. bloomberg.com Economic Moats No matter how good you are, if what you’re doing is very profitable, others will copy you and will be “good enough” to impinge on your game. Which is why the best investments are those with moats – companies that are so good at something that their abilities and assets […]


July Stock Purchase – Benefits Of Monthly Stock Purchase Programme XPP ABF

After the lull of May and June, this past month has been a busy one on the stock purchase front. I have so far bought a total of 5 shares in July. Even though markets have propelled higher from the lows seen earlier this year, there are a number of interesting opportunities currently available in the small cap space. It seems that with the current macroeconomic ongoings, investors are leaving small British companies for dead. Investors are pricing in worst case scenarios for some of these stocks. And this is where as a private investor I can simply take my time, look at the various opportunities and pick the stocks […]


My Ghost Ship Pension Portfolio – Coffee Can SIPP

In early 2017, I moved an old pension scheme from an underperforming high fee company to a platform where I could invest the money myself. The idea was that I would be able to outperform the high fee company by producing superior returns and letting my money compound at higher rates in order to have a higher pension value when I retire.   Since the move, I have been patiently buying up high quality companies. I can happily say that this past week I was able to deploy the full amount of money I was transferred. Yes it has taken me two and a half years to do this! There […]


Second Quarter 2019 Dividend Income!

The last month and half has been extremely busy. With work, the good weather and all the sport, I have hardly had time for this blog. This has clearly shown by the lack of posts on this site. Hopefully I will get back into routine and start posting regularly again. For now, I just want to drop a quick post highlighting the amount of dividends I received over the past three month. So without further ado…   My dividend income for the months April, May and June 2019 amounted to £790. That is a hell of a quarter if I might say so myself.   Considering I made £538 over […]