In this update: Investing persists through all cycles Your retirement spend and your retirement duration Investing persists through all cycles Interest rates are at levels we haven’t seen since before the Financial Crisis, tempting some people into cash, and away from investing. So does investing still make...
In this update: Where would you like to start? Your negative bias Where would you like to start? 'Where would you like to start?' is an interesting question. It’s as important a question too for investors. Because when talking to people about investments, the point at which...
In this update: The cycle of investor emotions The cycle of investor emotions As regular subscribers will know on reading these posts, I have discussed the timing and nature of markets on a regular basis. Markets typically fall into either bull and bear phases. For a definition...
In this update: Market Seasons Financial Behaviour Your Financial Plan Market Seasons As regular subscribers will know from previous posts, the markets go through their seasons. The business cycle goes from expansion, slowdown, recession and recovery. Stock markets move between bear and bull markets. However, we...
In this update: Financial fireworks State Pension Top-Ups deadline extended Pension Credit Financial fireworks With the Bank of England reporting last week that core inflation has continued to rise, it's difficult to see a way out of this current inflation spiral. Like a firework, you light the...
In this update: Ben Graham's timeless reminders Fluctuations Investor vs Speculator Market Amnesia Opportunity Take a long term view Ben Graham's timeless reminders Ben Graham, Warren Buffett's early mentor, wrote the Intelligent Investor in 1949. Whilst society has undergone unimaginable evolution since that time, the principles espoused...
In this update: Your response to difficult markets Margin of Safety Opportunity Take a long term view Your Response to difficult markets As the financial difficulties deepen within global economies, which I have previously written about in other updates, we find ourselves tested - private individuals, governments,...
In this update: Financial Success Corrections Bull and Bear Markets Volatility Inflation Remember your objectives Market Timing How successful investors respond Financial Success Financial and investing success are behavioural. Understanding your reaction to events, not the events themselves, is essential. How you respond during different market events, is...
In this update: Recent events Remember your objectives Market Timing How successful investors respond The events of recent days are clearly tragic and devastating for the lives of everyday people who are affected. I always think that at times like this, we see the best and...
At times like this, with events seemingly ever more volatile around the world, including our own domestic affairs, I always remember that markets always come through such times. ….but it doesn’t seem like it at the time. Compounding is hard because a bad month can feel longer...