Earning a Living vs Building Wealth: The Difference That Matters
30.03.26
For much of history, for most people, getting wealthier was not just difficult; it was impossible. In feudal societies, wealth was tied to land ownership. A small number of landlords…
“I Wish I Knew That Sooner.” How New Evidence Changes Our Decisions About Money
10.03.26
How well do you know the FedEx logo? It’s a major global brand so you can probably recall it easily. But have you seen the arrow built into the design…
Why Stock Picking Is Like Betting on a Premier League Football Club – And Why It’s Risky for Long-Term Wealth
31.10.25
When planning your financial future, especially in retirement, it’s easy to fall into the trap of trying to pick winners. You might hear about a hot stock or a booming…
Even Financial Planners React Emotionally
07.07.25
My wife and I have been lucky in many ways. We were born in a democratic country during an era of peace, to middle-class parents who loved and supported us,…
Gold Is Shining Again, But Should Long-Term Investors Follow?
10.06.25
I previously wrote about how gold should be for decoration, not speculation, and now gold is back in the headlines I thought it worthwhile providing an updated article. As uncertainty…
Market Timing & Tactical Allocations: It’s About Completing The Marathon, Not Winning It.
06.06.25
When investing, particularly as we approach or enjoy retirement, the aim isn’t to win a race against the markets. It’s to complete the course in good shape, financially confident and…
Winning Comes In Phases. Why It Pays You To Assume It Won’t Last Forever.
06.05.25
In sport, we love the winners. We get excited by winning runs and debate the GOATs (the Greatest of All Time). Whether it’s a golfer stringing together major wins or…
Risk Isn’t What You Think It Is
22.04.25
Whether it’s pursuing an adventurous hobby, taking a financial decision, or making a big career move, the fundamental question is the same: Will this make my life better or worse?…
Is The World On Knife Edge? Are We Doomed? History Suggests Not.
01.04.25
The past five years have felt like a whirlwind: a global pandemic, war in Ukraine, a cost of living crisis, and increasingly polarised politics. Like taxis on a cab rank,…
It’s OK to Spend Savings in Retirement
18.03.25
Don’t worry, it’s OK to spend savings in retirement, but it does come with a caveat. If you have been diligent during your working life you will have built up…
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