Month: September 2020

I Told You So

Back in late February (which now feels like a lifetime ago), a colleague and I were chatting about the stock market. The S&P had just gone down through the 3,000 mark. The said colleague, who happens to be a very thoughtful person, mentioned that he was worried about the prospects of a pandemic and had …

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Keeping It Simple: Build Wealth With The 80 – 20 Rule

Investment terminology

Financial independence can be confusing.  Spend even a little time on a personal finance blog or Facebook group and you will soon get lost amongst all the novel concepts, acronyms, and alternatives. You don’t have to be a genius to figure out that this rarely ends well. Motivated to reach financial independence as quickly as …

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Higher Taxes Are Coming – Here’s What To Do About It

4% Rule

Higher taxes are on the way. Regardless of how you feel about it, it’s a fact. A history of public deficits across the developed world, combined with a massive Covid-19 bill, means that governments will need to seek new sources of revenue. Unfortunately, the increase in the tax burden will likely fall on individuals. Let’s …

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Work Till You Drop: Here Comes The Pension Age Increase

Pension Age Increase

The penny has dropped. Almost six years after originally laying out plans to increase the pension age, the UK government has finally confirmed that it will put the necessary legislation in place. To be clear, we are not talking about the state pension age here. That’s a whole different (albeit related) story. Instead, what’s being …

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A Magic Money Making Machine

If one were to distill the most contentious question in stock market investing, it would boil down to this: “What is a reasonable expectation for stock market returns going forward?” Your take on the question above impacts a multitude of things. First and foremost, it drives your asset allocation decisions. Do you go all-in on …

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