How to Win at Investing: Stop Trying to Beat the Market
On how to win at investing by focusing on dividends instead of stock picking, trading, or trying to beat the market. 73% of people lose money when they trade CFDs. Roughly 90% of active public equity fund managers underperform their index benchmark. Approximately 80% of day traders lose money over the course of a year. […]
Foundations You Need Before Investing (The 4 Key Essentials)
On the 4 key essential foundations you need before investing: income, an emergency fund, knowledge, and emotional balance. When you first learn about investing, it’s exciting. You want to get started straight away. It feels like a big step toward a better financial future, and the earlier you begin, the more time compound interest has […]
How to Build Your Own UBI to Protect Your Income from AI
On how to protect yourself from AI job disruption by learning to build your own UBI through dividend income and a minimum viable lifestyle. PricewaterhouseCoopers(PwC) estimates that up to 30% of jobs globally are at risk of automation by the mid-2030s. Entire sectors, from customer service to accounting, are already seeing roles vanish or transform. […]
How Trading 212 FX Fees and Currency Risk Impact Your Returns
On how FX fees and currency fluctuations affect your Trading 212 investment returns. Many Trading 212 users often complain about FX (foreign exchange) “fees” eating into their returns. While the platform does charge a small currency conversion fee, most of the loss people notice actually comes from something else: currency fluctuation. When investing internationally, you’re […]
Investing £1000 a Day Into the S&P 500: Here’s What Happened
On investing £1000 a day in the S&P 500 for 30 days, the results, and why I will never do it again. I see a lot of these challenges where people are investing £1, £5, or £10 into the stock market or gold. People seem to love them for two reasons: It’s an accessible goal. […]
ISA Transfers: The Risks You Must Know Before Transferring
On why ISA Transfers can be tricky, with hidden fees, transfer delays, and risks that may affect your investments. Bank switching in the UK is super popular. Almost every “make some extra amount of money as a side hustle” website lists it as one of the main sources of income. People say bank switching doesn’t […]
AutoInvest or Manual Investing: Trading 212 Pies
On the differences between AutoInvest and manual investing on Trading 212 Pies, and which approach suits your investing goals. Short answer: AutoInvest and manual investing do the same thing mechanically. Both invest into the same pie, both use the same distribution options, both cost the same. The difference is who pulls the trigger and how […]
Time in the Market vs. Timing the Market: A 40-Year Reality Check
On why time in the market beats timing the market, and how long-term investing beats reacting to constant fear, news, and market noise. Imagine there are two people who both turned 18 and were given a sum of money. One of them, let’s call him Chilled-Out Charles, just decides, “Heck, screw it. I’m just going […]
Cash ISA Alternatives: Smarter Options for UK Savers
On whether Cash ISAs are still worth it and why Cash ISA alternatives may be a better choice for UK savers. First introduced in 1999, the Cash ISA quickly became one of the most popular savings tools in the UK. With around 7.9 million people subscribing to them in the 2022/2023 tax year. This marks […]
How to Build a Balanced Portfolio
On how to build a balanced portfolio through diversification, risk management, and asset allocation for UK investors aiming for steady growth. When it comes to investing, one of the most important concepts to understand is a balanced portfolio. As an investor, you are often told that having a “well-balanced” portfolio can help you manage risk […]