Why We Invest? The S&P 500 has been compounding at 14% per year over the last ten years. That rate of return, which was not expected by anyone and should not be expected going forward, turns $100,000 into $370,000 if left alone. There have been people doing their best to talk you out of taking stock market risk, or convincing you that you could hedge it away while still earning the same (or better) returns. This is now and has always been a fantasy – risk-free reward is the domain of the charlatans. It only exists on Twitter, not in real life. Stock market returns took your savings from ten […]

Naval Ravikant is one of the greatest thinkers of our time. Every time he tweets, millions pay attention. So when I came across his 10 simple truths retweet thread, I just had to share. There is so much learn from the wisdom below.   Human life is gradually turning from a struggle against suffering into a struggle against pleasure. Hard Choices. Easy Life. Easy Choices. Hard Life. Not wanting something is as good as having it. If the news are fake imagine history If you don’t want to have a boss, you better be capable in the wild To remove the sting of insult, stop valuing compliments. Meditation is good […]


Following the very strong recovery from the Covid induced lows of March, the UK stock market has sharply drifted back over the last few weeks. The market backdrop remains complex. The coming weeks are full of events. Long term investors should avoid being overly focussed on short term events. It should be viewed as noise. But it is also important to understand that events take hold of investors psychology and move markets in the short term. Over the coming months, the known big events that will move markets are the US. Presidential/Congressional Elections, the corona virus and the further economic lockdown it brings, Brexit negotiations and the US/China trade-currency tensions. […]

Start saving money. As a finance blog, this has to be right at the top. Even if it’s just a tiny bit, it is imperative that you start saving at an early age. With time on your side, the money you save today will grow exponentially through the power of compounding. In your 20-30s, the average person has a lot of disposable income, some of which can almost always easily be set aside for use later in life. Plus, building the habit of saving early means you’ll continue it further down the line.       Maintain (or repair) relationships with parents and siblings. Even if you have very complicated […]

The last decade has been terrible for the high street. It all started with Woolworths sending shock waves across the UK by shutting its doors in 2008. Since then, shop after shop have had to close their doors. Traditional retailing has been hit by a combination of factors ranging from the rise of e-commerce and competition to business rates and taxes to the move away from stuff and towards experiences. Physical Retail has been dying for years. And lockdown has been an accelerant towards this trend. I know people who never previously shopped online being forced to do so for the first time over the last few months. The general […]

Ever wondered how rich you are? Ever wondered how your wealth compares to the average global citizen or the people around you?   There are two websites I have come across that show you how wealthy you are relative to the wider population.   http://www.globalrichlist.net/ – This website gives you an idea of how rich you are relative to other people in the world. All you do is simply input your salary and the calculator will generate your position in the global rich list.   https://www.ifs.org.uk/tools_and_resources/where_do_you_fit_in – If you want to see your position in the distribution of the UK for net household equalised income, the IFS has a good […]

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. By signing up with the link, […]