There’s a kind of loss most savers never see, because it never appears on a bank statement. Your balance shows £10,000 today. Twelve months from now, it still shows £10,000. Nothing has gone missing. And yet, in any meaningful sense, you have less money than you did a year ago. This is the quiet, persistent…
If you’ve come into a chunk of money and you’re trying to decide what to do with it, you’ve probably encountered two competing pieces of advice. The first is to invest the lot straight away, because time in the market beats timing the market. The second is to drip the money in gradually over a…
If you’ve started looking at where to put your first investment, you’ll have noticed that the same product appears to come in two slightly different forms. Sometimes it’s described as an index fund. Sometimes it’s an ETF. Sometimes the same global tracker is offered as both, with different ticker symbols and slightly different fees, and…
If you’ve spent any time looking into UK savings, you’ve probably encountered the word ISA more times than you can count, often used as if everyone already knows what it means. The reality is that there are four different types of ISA in the UK, each designed for a different purpose, and most people don’t…
The honest summary of risk and reward in investing is shorter than most articles on the topic. Investments that have historically produced higher returns have also produced bigger ups and downs along the way. Investments that don’t move around much don’t make you much money. That trade-off is the whole game, and almost every investing…
