Spending versus investing: it’s not black and white
It’s easy to think that you’re either spending money, or you’re saving it. You draw up a budget. You work…
How Pensions Work At Retirement
Today I want to clarify what happens to pensions at retirement because it’s an area that is often misunderstood. Resources…
Head Or Heart?
Do you choose to follow your head or heart when working out your next step in life? Is one really…
Retirement is Different to Working
One of the most pivotal lessons in my career came from not understanding the difference between working and retirement. My…
Why I Turned Down A £76k Job Offer And How I Calculated The Real Value Of My Job
Recently I completed a series of interviews and was made an offer with a base salary just over £76,000 a…
Personal finance links: the next bus
AdvisersAre rich people better investors? Probably not, but they do get help. (klementoninvesting.substack.com)Why hiring a fiduciary financial advisor isn’t sufficient.…
Defensive asset allocation and model portfolios
What should your defensive asset allocation look like? How do the fixed income asset classes and bond sub-asset classes fit…
The Pitfalls Of Experience
Our kitchen table was literally covered with stacks of cash. Even by western standards, it was a significant sum. And…
Simplifying Pensions
This podcast is brought to you with the help of Seven Investment Management, who specialise in multi-asset investing, something I…
Past Champion
Ride Your Own Bike
Like Sally, one day the realization will come that your best interests rely on you steering your own bike –…
The Ten Stages of Financial Freedom
*This post may contain affiliate links. This means if you purchase through the link I will receive a small commission…
REITs vs. Rental Properties: Which is Better?
One of the best ways to build your wealth and reach Financial Independence is by buying assets that generate a…
Past Champion
For excellent investing, you need to set your financial goals
Score those financials goals! Set your financial goals! If you’re here, it must mean that you are keen on investing…
Transitioning into Retirement
Transitioning into retirement is a big deal; a momentous occasion. Of course, for many of us, it is an occasion…
How an offset mortgage can help you achieve financial freedom
This article on using an offset mortgage comes courtesy of Planalyst from Team Monevator. Check back every Monday for more…
Champion of the day
Why I track my spending
This post is all about me. I always thought writing a blog required a double-whammy of intellectual arrogance – firstly…
Past Champion
Lines of Navigation – A History of Portfolio Change
No man ever steps into the same river twice. – Heraclitus The post Lines of Navigation – A History of…
Factory reset
Dawn sunlight speared through the broken windowpane. Illuminating the sleepout, where my brother and I bunked down whenever we slept…
Weekend reading: Heads you win
What caught my eye this week. Finally my co-blogger The Accumulator has won the acclaim he so richly deserves. No,…
Why you should want to own the world
We are drawn to that which is familiar. Walk down the street and you see brands and household names which…
Buried Treasure #2122: Risky doughnuts, recency bias, and trading cash for value.
Welcome to Buried Treasure, the curated best of Sovereign Quest this week.
Greatest Hits: Volume 13 (If You Can’t Beat Them, Join Them)
The times are changing. Your father’s stock market is gone, interest rates are staying low, building wealth might be taking…
Past Champion
What is high risk?
Photo credit: Kenny Jenkins – kbjenkins.com on Visualhunt In the years I’ve been time advising clients I’ve come across various…
How much is enough?
In this video, I try to answer the question, how much is enough? Enough for what? Enough for the retirement…
Past Champion
Beating inflation versus hedging against inflation
Signs of higher inflation abound. Beating inflation to preserve spending power is therefore high in many investors’ minds. Bank of…
Introduction to Retirement Planning: The Point of it All
In this blog series, we’re looking at the point of it all when it comes to retirement. This is the…
Are You Financially Prepared To Die Tomorrow?
Death is never a pleasant subject and one that we mostly try to avoid if we can – especially if…
Personal finance links: focusing on work
HousingAs home prices rise, the $500,000 capital gains exemption is becoming more relevant. (wsj.com)Big chunks of the home loan system…
How my father lost his life savings by making one fatal investment mistake
Mouthy Money blogger Nick Daws explains why diversification is key when investing, as he learned from his father’s terrible investment…
Past Champion
Doughnuts and dollars
Doughnuts are hardly allegorical, though perhaps at a push you could conjure up some vague symbolism. The ring-shaped doughnut could…
