Long Term Investing
The biggest barriers to long term investment success are in your head. Taking the long view means being resilient in the face of short term market nonsense.
Understanding which risks apply to you given your time horizon, and which do not, is vital for a successful long term investment plan.
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UK Investment Return Calculator
Compounding: your best friend when it’s working in your favour, and your worst enemy when it comes to fees. It’s always helpful to visualise an investment journey over a lifetime, so we have built a free ETF investment return calculator to help do just that. You can also use this as a compound interest calculator…
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The Core and Satellite Approach to ETF Investing
The Core and Satellite Approach is a way of building a portfolio that both minimises risk and, hopefully, boosts your returns with savvy, more exotic plays. It’s also a way of expressing yourself and your values, whether that is through your deep understanding of certain areas of the economy or by targeting sustainable or ethical…
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Shortfall: why more risk now means less risk later
Humans are short-term thinkers. We are focussed on recent history and we have a powerful aversion to risk that is not always rational. When it comes to your financial goals, there is an often underappreciated trade-off — taking on more risk now (volatility) can reduce risk in the future (shortfall), but this is never a…
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Retirement Killer: are fund fees destroying your future wealth?
Why an extra 1% in fund fees can cost you nearly a third of your long-term returns. An extra 1%? It doesn’t sound like much, does it? People are often surprised just how big an impact on returns fund fees can have over the long term. The power of compounding, which has an increasing impact…
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Active vs Passive Investing in 2023
Why do we keep chasing long-term outperformance when the data is clear?
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The Two ETF Portfolio: simple is often best
Two ETFs – it’s all you’ll ever need. Much of the finance industry is hell-bent on convincing you that investing is complex, that what they do is difficult, that paying for their expertise is the only way to reach your financial goals. This is nonsense. We humans have a tendency to value complexity over simplicity.…
