Category Archives : Invest Money

Articles on how to invest money online


The Mutual Fund Game Is Rigged In The Managers Favour

I have alluded to fees being an antithesis to performance many times over the past few years. Fees are the main reason why index funds outperforms actively managed funds. The following from famed venture capitalist Chris Sacca further cements why fees are an investors worse nightmare and that mutual funds are rigged in the managers favour. Although the comments below are to do with venture capital but it could as well be applied to mutual funds. Have a read and see whether or not you are still comfortable holding your money in a mutual fund. Chris Sacca on Fees: “This is a rigged game, right? And I’m just looking to […]


March Monthly Stock Purchase – Perseverance and Temperament are Key To Investing Successfully

2018 has so far been a dreadful year for the UK market with prices dropping 7.2% year to date. This UK has been the worst performing developed market in 2018. Whist they have been several profit warnings for London listed companies, part of the fall in UK shares has been due to a market de-rating. Many companies in the UK market are trading at discounts when compared to global peers of similar quality. Just look at Royal Dutch Shell trading at a discount to Exxon Mobil, BAT trading at a discount to Altria and RB trading at a discount to Church and Dwight. This is why it is an important […]


How Long Will It Take To Double My Money Through Investing In The Stock Market

One of the questions I get consistently asked is ‘how long it will take to double my money on the stock market or with any other investment?’ The answer depends on the rate of return. If you have a high rate of return, it will take a shorter period to double your money and if you have a lower rate of return it will take longer. Have a look at the below table to see how long it will take to double your money. As a reference, the historical average return of stocks is approx 7%-8% so you would double your money every 10 years via stock market investing. Besides […]


Terry Smith Fundsmith Equity Fund Buys Facebook Shares In Its Portfolio 3

Terry Smith, the founder of Fundsmith, is a man I greatly admire. He is an anomaly in the world of investing and finance due to his his straight talking nature. He is a breath of fresh air as he is one of the only fund managers to eschew fees, invest his own money in the funds he runs and doesn’t performance chase for short term gains. His flagship funds performance has been exceptional since its inception with cumulative returns of 260.9% or 19.1% per annum. For reference, the MSCI world index generated returns of 133.3% or 12.3% per annum over the same period. Terry Smith is one of those active […]


Fidessa Plc – A Takeover Approach Of An Increasingly Rare Serial Compounder Of Wealth

This past week Fidessa Plc – a company I have been buying shares in via my monthly stock purchase programme – received a takeover bid from Temenos for a total value of £36.467p a share. The shares in the company consequently shot upas a result of he takeover bid and are now trading at £38; a price above Temenos bid price. The reason for the shares shooting higher than the bid price is due to heavyweight investor Elliot disclosing an increased stake in Fidessa implying that the current takeover price undervalues Fidessa. Elliot normally gets what they want – just look at how Qualcomm increased their bid for NXP semiconductors […]


Why Entrepreneurs Need To Own Shares In Blue Chip Companies – Story Of Miller Gorie And IBM

One of the most important concepts in personal finance is to create a second income stream. Having income flowing into your bank account from alternative sources outside your normal everyday work can help cushion stressful periods such as when you are made redundant. It can also help you escape the rat race by providing you with enough income to cover your expenses and enjoy life. This is is the whole concept behind my dividend growth portfolio. Even Warren Buffet agrees on the importance of this by saying “Never depend on a single income. Make Investments to create a second source.” Whilst many people advocate investing to create an income for […]







RWS Holdings PLC Stock Purchase – Buy Quality Companies During Market Selloffs 1

What just happened this past week? After a year and a half of smooth sailing, volatility reeked havoc in the stock market this past week which resulted in huge fluctuation in stock prices. For investors with cash on the sidelines, it provided a good opportunity to ‘buy the dip’ and buy certain shares at 10 – 15 % off. I do admit that I was a little slow in reacting to the initial sell-off as there were a number of shares offering attractive valuations. But thankfully I was able to pull the trigger and buy myself shares in a company I have been following for a long time now – […]


The Fantastic Economics Of Consumer Staple Stocks Result In Outsized Returns 4

Any regular reader of this site will know that I have a preference for investing in consumer staple stocks. Consumer staple companies sell products that are essential to everyday life, such as food, beverages, tobacco and household items; goods that people are unable or unwilling to cut out of their budgets regardless of their financial situation. My investment portfolio has an outsized position in this industry having bought stocks in Unilever, Procter & Gamble, RB, Estee Lauder, Coca Cola, Britvic, AG Barr, Imperial Brands and PZ Cussons. The consumer staples sector fascinates me because it reveals so much about human nature and the problem of economics versus behavioural economics. Over long periods […]


You Need To Become A Collector Of Cash Generating Assets

If the 1% had a secret it would be this – they focus on collecting assets that generate dividends, interest, rents and royalties. The collect cash generating assets such as patents, movie rights, property ownership, businesses, equities or farmland. On the other hand, the majority of people focus on collecting ‘stuff’. They always buy liabilities instead of assets and wonder why they never get ahead. It’s time to learn the rules of the game. Its time to learn how money works. What you read, watch and fantasise about the rich and what they actually do are two different things. Most people have this erroneous view that the rich splurge without […]


My Dividends Are Producing More Dividends – Dividend Reinvestment Compounding returns 5

Dividend reinvesting is one of the most important concepts when it comes to growing your wealth over time. Research has shown time and again that investors who reinvest their dividends tend to outperform those that don’t over time. The outperformance can be huge and could be in the double to triple digits over the long-term! Have a look at this example on Galxosmithkline (GSK) to see how dividend reinvestment would have boosted returns. What is Dividend Reinvestment? In short, dividend re-investment is a strategy that allows investors to own more shares or units in a fund without putting their hand in their pocket for more cash beyond the original investment. […]