Investing shorts

In this blog:

1. How can you lose $430,000,000,000 and not get fired?

2. Mortgage? Try this for size - $1 trillion interest only

3. How to create a small fortune

4. Delete the pension app

In this blog:

1. “I’d rather have a sheep than a Rolex”

2. Is £500,000 enough to retire on?

3. Tech rampant

4. Same toys, different prices

5. Here she comes, just a-walking down the street

In this blog:

1. Winning the Losers’ Game

2. It might not say so on the tin but…

3. Big, bigger, biggest

4. China and gold – who knew?

In this blog:

1. Comparative returns

2. Charlie Munger’s Almanack

3. Where DIY investors get stuck

4. In the FT

5. How many of these have you got?

In this blog:

1. Teach your children well

2. You think you know us?

3. The really very obvious investment (that stumbled)

4. Remember 1996?

5. Why we don’t recommend total return investing for drawdown.

In this blog:

1. Currencies will turn investment stats upside down

2. “If I had a million dollars….”

3. Why fixed income won’t work for long term retirement

4. What trackers are not particularly good at

In this blog:

1. Debt – hitting countries not people

2. Monte Carlo or Bust – trouble with random stats

3. Does my company look big in this?

4. Chancery Lane in the Financial Times

In this blog:

1. Lucky vs repeatable

2. Trouble at the EV offices

3. Ros Altmann – Baroness – and the trouble with trusts

4. I had an interesting conversation with my three-year-old granddaughter about a bear that is really called Winnie the Pooh (you can fill in the gaps)

5. Standard deviation and Sortino Ratios in portfolio comparisons

In this blog:

1. 5 years annual returns of major hedge funds

2. Crunch data: today’s annuity vs investment trust

3. When should you move your DC scheme?

4. Starting drawdown – the tax pitfall

5. What’s the score with Fisher?

6. God bless America!

In this blog:

1. Saying ‘No’

2. Shenanigans

3. ESG – who’s the war-monger?

4. Jolly hockey sticks

5. In the technical part of the income market

6. How to gift to married children and keep it in the family

7. Target date funds: a technical note

In this blog:

1. How was the 4% Rule calculated?

2. How not to get lost

3. Don’t drive your lifetime savings without accurate navigation

4. Hey Uncle Sam, slow down there a minute

In this blog:

1. The new tax rates and allowances

2. The student loan interest rates and income thresholds

3. What is S&P talking about? Active v passive

4. Cool runnings?

5. Transitional certificates

6. Investment maths – 51.5p share price, 34.4% discount

In this blog:

1. Is cheaper better in investments?

2. What are you expecting?

3. It’s not just you – the proof

4. Chapter 5 – your retirement

5. This is the new Key Chart

In this blog:

1. We have a huge amount of respect for Christine Lagarde

2. If you like a lot of chocolate on your biscuit…

3. Investing in reverse

4. Remember Harry Patch

5. What a discretionary portfolio looks like – and what they charge you. Or, this is what Consumer Duty is all about.

6. Valuations and hot air

7. “I need a pension of £60k per year, I’ve got £90k in my pension”

8. Pay rises in 2023 – what’s in your wallet?

In this blog:

1. Buy your pension at a discount

2. The maths is simple

3. Putting the jigsaw pieces together – use the data, not the crystal ball

4. Recycling your ISA – don’t forget it

5. Are you wealthy? How do you rate?

In this blog:

1. Inflation versus dividends: the relevant data

2. The Rolls Royce Pension Scheme, or, ‘Why doesn’t everyone do this?’

3. Fees, charges, costs and commissions

4. Commission or fee – what’s the difference?

5. Handouts to the kids

6. Help – she’ll just spend it

In this blog:

1. Talking about racing cars and autogyros, have you done your LPA?

2. Open or closed? Differences between investment trusts and unit trusts

3. The SONG and dance

4. The tax man speaks – Lifetime Allowance update

In this blog:

1. Capital and income are not correlated

2. Boringly predictable

3. Inflation – what goes up must come down

4. And while we’re here… is this a trigger?

5. Solicitors look away now

In this blog:

1. The Magic Money Machine

2. £90,000 per year, net, for life, inflation adjusted. The aNewuity: when ‘pension’ means ‘income’.

3. “What were you thinking?”

In this blog:

1. Get one investment decision right per year

2. Interest rates – running away with the money

3. Ahhh Google, what have you done?

4. If the money feels tight, consider the pricing involved in the tech you are buying

5. A tale of two mortgages

In this blog:

1. Example: National Grid 2024 5.875%

2. All 747’s are planes, but not all planes are 747’s

3. Lifting the lid on part of our analysis

In this blog:

1. Get the size right – too big can be catastrophic

2. Getting the size wrong can be fatal as well

3. Rachel Reeves and the Lifetime Allowance Show

The Telegraph runs a weekly column called the Telegraph Money Makeover – readers write in if they are seeking help with their finances and the journalist of the day contacts firms like ours to ask if we’d like to write in with recommendations in return for getting name-checked in the paper (we’ve been there several times over the last few years)…

In this blog:

1. The 5 ways to get income from your pension

2. Bonds at that mythical 5%

3. Never pay full rate 40% or 45% income tax again

In this blog:

1. Question 1 – do you need your income guaranteed or not?

2. Question 2 – is this an area of your expertise?

3. Possible vs probable vs guaranteed

4. The most important element of the objective

In this blog:

1. Periodic active v passive reconciliation

2. The Vanguard question

In this blog:

1. The $12.5 million idea

2. Moneyball for pensions

3. We are data analysts

4. Good recipe, but what’s the cake like?

5. So long, farewell

6. And Alan did run

7. Almost Methuselah

In this blog:

1. “Is the manager in?”

2. You don’t need to calculate the distance to the sun, remember Pythagoras, or measure the visibility to see the horizon.

3. Do you have £1 million?

In this blog:

1. How not to drive into an investment wall

2. Problem 1

3. Problem 2

In this blog:

1. Asset rich, and cash poor

2. Tontine, not Tonto

3. Lifetime Allowance - a note from Martin