Category Archives : Invest Money

Articles on how to invest money online


How Much Should You Have Saved By The Time You Reach 30

The big 3-0! Most people hate leaving their twenties and hitting the three decade mark. Many see 30 as the official mark to becoming an adult. It is when you need to take on responsibilities and start thinking about life’s bigger financial problems – housing, raining a family and retirement. So with the thirties being a big decade for your finance, how much should you actually have saved by the time you reach the age of 30?   According to one of the word’s largest investment firms – Fidelity – people need to have an equivalent of a years worth of salary in their savings by the time they hit […]


Private Real Estate Vs REITS – Best Property Returns

We Brits love real estate. I know many people who invest in property but would never touch another asset class. There is something about real estate that draws people in. Whether its tangible properties, high current income, long-term appreciation potential or inflation protection properties, people just love to invest in real estate. Its almost becoming an obsession. Whilst many people want to invest in property, they want to know what is the best way to do so. Should they invest in buying properties outright on their on or should they use real estate investment trusts which are listed on the stock exchange. What are the historical returns? This article will […]


I Am Bonds – Asset Allocation Is Personal

Personal finance is always personal. It’s in the name. Yet many people forget about this. They want quick fixes by trying to use pre set formulas. Yes these can act as guidelines. But there is no substitute for taking into account ones needs and circumstances. Take asset allocation for instance. We all know the rules. Have X amount in stocks. Have X amount in bonds. Have X amount in commodities.   It’s strange that people follow these rules so rigidly and don’t take into account their own personal situations. The only individualistic factor I would say most people take into account is age – the proportion invested in bonds goes […]


Tom Gayner (Markel) – 14 Golden Investing Rules

Tom Gayner is co-CEO and chief investment officer at Markel Corporation, a holding company for insurance, reinsurance, and investment operations around the world. The company has often been compared to Berkshire Hathaway in the way it operates. Gayner is an excellent investor and one of the best in the modern era. Just go and look at his performance at Markel for proof of this. Gayner gave a talk at google a couple of year’s back which was a masterclass. That talk had a number of golden nuggets. Here are 14 of them which every investor can learn from. Enjoy! Invest in profitable businesses. Focus on those that have good returns […]


Kenny G – Secret Buy & Hold Dividend Millionaire

If you had to do a double take of the title, I wouldn’t blame you. But Kenny G is in fact a secret buy and hold dividend millionaire. Yes the same Kenny G who rose in stardom during the 80’s and 90’s with hits such as Duotones, Going Home, Forever in Love and Sentimental. So how exactly did this world renowned saxophonist become a stock market millionaire? Kenny G invested in Starbucks in the 1980’s. Here is a video of him taking about this investment. Kenny G met Howard Schultz, the founder of Starbucks, after a recommendation from his uncle (Harold Gorlick), one of the first investors in Starbucks. Harold […]


Are People Buying The Wrong Coke – COKE VS KO

Coca Cola. Probably the most ubiquitous brand in the world. The iconic company is so unique that it is almost impossible for the company to be mistaken for another. Yet a case of mistaken identity is what appears to be happening – at least in the stock market. A very strange thing has been happing in the markets recently. The share price of Coca-Cola Consolidated (COKE) has rocketed from $180 at the start of the year to close to $400 today. This is an astonishing rise of 122% in under 5 months. Naturally, curiosity got the better of me and I went to look at the accounts for COKE. What […]


Understand Accounting To Be A Better Investor – Earnings Vs Free Cash Flow

One of the mantras I keep iterating on this site is that for you to be a successful investor, you need to understand accounting. I wrote about this in a post titled ‘Investors Need To Understand Accounting’. Reading and understanding an annual report will give you the clearest picture of a business and where it is headed. The accounts can show you whether a companies earnings are real or if they are just being magicked up. Conversely, knowing accounting and its intricate rules can help you understand a balance sheet and find hidden value in companies. As I have mentioned before, for those that don’t understand accounting or don’t have […]


Charlie Munger – 10 Rules For Investment Success

Charlie Munger – famed for being the other half of Berkshire Hathaway – has a low of wit and wisdom. His business partner, Warren Buffet, has attributed much of his success to Charlie Munger. In his must-read book, Poor Charlie’s Almanac, Munger puts forth a 10-step checklist that even the most inexperienced investors could benefit from. 1. Measure risk All investment evaluations should begin by measuring risk, especially reputational. As an investor, you need to be aware that from time to time, your investments won’t turn out the way you wanted. Mistakes are always inevitable. By realising this, position yourself in a way where you have a large margin of […]


FTSE 100 Index – Invest In 100 Companies At Once

The FTSE 100. You have probably heard of it. But do you know what it is? Contrary to popular belief, the FTSE 100 is not a fund. It is simply a stock market index. Though there are many funds (index funds) that track the performance of the FTSE 100. This article aims to answer any questions you have on the FTSE 100 and will look at the cheapest ways to invest in a FTSE 100 tracker fund. What is the FTSE 100 index? The Financial Times Stock Market 100 or the the FTSE 100 is a share index of the 100  largest companies by market capitalisation listed on the London Stock Exchange. The […]


Blue Whale Growth Fund Full Portfolio Breakdown

Since its inception in September 2017, the Blue Whale Growth Fund has been one of the best performing funds in the IA Global category. It is currently ranked 4th in the sector for performance and had produced annual returns of approx 9%. The funds manager Stephen Yiu is charismatic and has made the claim that Fundsmith and Lindsell Train Global Equity Fund are the only true competitors to Blue Whale in the IA Global category. A very bold statement to make. As an investor, I like to do research on funds that have an exceptional track record. Whilst the Blue Whale Growth fund is certainly young and does not have […]