Investing
Learn how to invest the proper way, taking a long-term mindset and investing in the global stock market using index funds.
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Vanguard lowers fees again!
Specifically for the FTSE All-World ETF, the only fund I invest into. Fees have been reduced twice in one year now: from 0.21% to 0.19% in October last year, and now to 0.14%. It seems like the fund has seen a massive inflow of cash ($16 billion in 2026 alone), and is one of Europe’s…
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Can a Cheap Index Fund Really Beat the World’s Best Investors?
If I offered you a choice between two investment managers, who would you pick? The first is a team of Nobel Prize winners, mathematicians, economists and Ivy League graduates. They have access to cutting-edge technology, expensive research, private company meetings and decades of investing experience. They charge handsomely for their expertise, but surely that’s because…
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The Little Book of Common Sense Investing
Unlike many personal finance books that rely heavily on stories, motivation, or flashy promises of wealth, John Bogle takes a far more evidence-based approach in his book, The Little Book of Common Sense Investing. His central argument is simple: Most investors should stop trying to beat the market and instead buy the entire market through…
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Why Cryptocurrencies are not an Investment
Are cryptocurrencies an investment? This is a question more and more people are asking as Bitcoin, Ethereum and even Dogecoin continue to dominate headlines. Prices have surged, fallen, and surged again – drawing in millions of new buyers hoping to make a profit. However, just because something can go up in value doesn’t make it…
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Why additional contributions into a large portfolio don’t matter
In the early years of your investment journey, progress feels slow. Every pound saved is hard-earned, and the gap between where you are and where you want to be feels enormous. But as the portfolio grows, there’s a moment in the journey when things begin to feel different. Compounding begins to take hold, giving your…
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How long does it take to reach £200k invested?
If £200k is the point where investing starts to feel different, the natural question is: How long does it actually take to get there? In the early years, this can feel like the hardest part of the journey. Your investment growth is driven more by your savings rate and consistency than compound interest. Progress can…
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Why £200k is investing’s magic number
In the early stages of investing, progress feels painfully slow. You’re putting money aside each month, investing consistently into the market and doing all the right things – but the results don’t always feel meaningful. £5,000 becomes £10,000. £10,000 becomes £25,000. Yes, it’s progress, but it doesn’t quite feel life-changing. Building an investment portfolio that…
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How to invest a lump sum of money in the UK
If you’ve come into a large sum of money — whether from a bonus, inheritance, or the sale of an asset — you’re probably asking the same question: how should I invest it? Learning how to invest a lump sum in the UK can feel overwhelming at first. The amounts involved are often significant, the fear…
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Vanguard’s Four Key Principles for Successful Investing
I’ve referred to these in a few past blog posts, but I thought I’d give Vanguard’s four key principles for successful investing their own post, since they have had such a profound impact on my own investing psychology. These principles are intended for building long-term wealth. They are not a get-rich quick scheme (and any…
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Don’t Dance with the Stock Market
I’ve been listening to a lot of personal finance podcasts recently. ChooseFI really stands out as a brilliant opening resource into financial independence. On one particular podcast (I forget which one in particular), the hosts Brad and Jonathan were interviewing JL Collins (of The Simple Path to Wealth), when he went into a beautifully long-winded…
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How to Make the Most of Your Workplace Pension
One thing that really drives me crazy is when people leave money on the table at work. No, not literally. I haven’t seen physical money at work in years. I’m talking about contributions you could be getting from your employer and the government, simply by participating in your workplace pension. Shockingly, around 20% of employees…
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The 4% Rule – how to know when to retire
How do you actually know when you can retire? Is it when you hit £500k… £1million… or some other arbitrary number that just “feels” right? The truth is, most people have no clear answer – which is why so many either delay retirement unnecessarily or worry they’ll run out of money. Fortunately, there is a…
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How to make the most of your ISA
Everyone over the age of 18 in the UK can start investing into the greatest wealth-building tool of all time, the stock market. And you have access to fantastic tax-sheltered accounts like an ISA. Let’s take Bob, who’s been investing into an ISA for 20 years, from age 20 to age 40. He now has…
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Why your £4 coffee actually cost £360
Whenever I go out and find myself considering to buy a Costa coffee or a Greggs vegan sausage roll, I stop myself and consider how much money I’m really spending. And it’s not just a few quid either – the true cost of everyday spending is far more than most of us realise. But to…
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The Major Money Milestones as you Build Wealth
Building wealth can often feel like an arbitrary process – something you do throughout life because you know you should. Eventually – someday in the far future – you’ll be able to retire. Before then, you must keep working your ass off and advance in your career. It doesn’t have to be like this –…