No need to panic
Financial Independence

Preparing For A Stock Market Crash

It’s going to happen. It could happen tomorrow – or many years from now. Perhaps it’s a sharp drawdown – or a painfully long journey that resembles death by a thousand cuts. It could end quickly, like the March 2020 or the October 1987 […]

Offset low market returns
Investing

Four Strategies To Offset Low Market Returns

A lot has been said about the tremendous run-up in the stock market since the global financial crisis. Historically, the S&P 500 returned about 10% a year (nominal, with dividends included). Over the past decade, however, the returns are well into double digits: So […]

Is your FIRE number wrong?
Financial Independence

Why Your FIRE Number Is All Wrong

At first glance, it seems easy enough. Figure out your spending needs. Divide by the safe withdrawal rate (SWR). Done – your FIRE number is staring you in the face. But is it? Inspired by a couple of reader comments on this post, let’s […]

Greatest Hits
Financial Independence

Greatest Hits: Volume 3 (Home Stretch)

And just like that, we are two weeks into 2021. I think we can all agree that so far, it hasn’t really felt any different from 2020. New mutations popping up across the world – and spreading faster than anyone could expect. Cases (and […]

Stock market questions
Stock Market

How High Will The Stock Market Go?

On August 5th, 2011, representatives of the S&P rating agency announced their decision to downgrade their credit rating of the US Federal Government. To be fair, the S&P had clearly flagged their thinking earlier on, announcing a negative outlook back in April of the […]

2021 money moves
Investing

My Top Money Moves For 2021

And so, as it usually does every year, the Christmas fiesta has come to an end. If anything, the unexpected lockdown here in London was a blessing in disguise. Yes, not being able to see friends and family was a bummer. On the flip […]

Greatest Hits
Financial Independence

Greatest Hits: Volume 2 (Hello 2021)

Well, here we are. 2020 firmly (and thankfully) behind us. The clock has now begun its relentless countdown on 2021. At the outset, a year seems like a very long time. Objectively speaking, it is indeed a chunky stretch. But days have this pesky […]