Category: MARKET

Two key goals of a financial plan are to help you grow what you have, and help you protect what you have. This is why conversations about financial planning should pay attention to your short-term cover. Everyday insurance is a critical piece of your long-term wealth strategy and helps ensure the perimeter around everything you own is secure. In some ways, building wealth is a lot like managing a sports team: you need both an offensive […]

Here’s why money shouldn’t buy your way out of friction. There is a common, unspoken assumption about wealth that many internalise early in life: we believe that the ultimate purpose of money is to reduce or eliminate our problems. We view a well-funded balance sheet as the ultimate shock absorber. We assume that if we just have enough capital, we can insulate ourselves, and the people we love, from discomfort, failure, and friction. But this is […]

As the playwright George Bernard Shaw famously observed, “The single biggest problem in communication is the illusion that it has taken place.” Nowhere is this more evident than in our family conversations about our financial lives. We often assume that because we share a home, a surname, and a bank account with our loved ones, we inherently share the same financial goals. But in many households, money remains a deeply taboo subject. We happily discuss our […]

One of the metrics used extensively in the financial profession to evaluate a given decision is the Return on Investment (ROI). It’s used in other areas too, like in marketing and operational planning meetings for larger companies and corporations. This metric drives us to optimise portfolios to chase the highest possible yield. We scrutinise management fees, track our compound interest, and celebrate when the graph moves up and to the right. In the world of wealth […]

Have you ever thought about the unspoken money scripts we pass to our children? As parents, we often assume that teaching our children about money requires a formal sit-down conversation. We plan to wait until they are teenagers to explain the mechanics of a budget, the danger of credit cards, and the magic of compound interest. But the truth is, your children are already learning about money every single day. They are incredibly observant. Long before […]

The financial world is full of complex algorithms, dense spreadsheets, and jargon designed to make investing look like a highly complicated science. You could find yourself thinking that you need an advanced degree just to understand what your money is doing. But occasionally, a piece of math comes along that is so simple, and so profound, that it completely changes how you view your wealth. Enter the Rule of 72. The Rule of 72 is a […]

“If I had my way, I would write the word ‘insure’ over every door of every cottage and upon the blotting pad of every public man… because I am convinced that, for sacrifices that are conceivably small, families can be secured against catastrophes which otherwise would smash them forever.” — Winston Churchill Winston Churchill spoke those words over a century ago. Yet, despite the massive evolution of the financial world since then, his observation remains incredibly […]

Have you ever looked at the financial news and felt that the world has lost its collective mind? Markets often plunge on seemingly good news and soar on terrible news. A company with no revenue can be valued at billions, while a solid, profitable business is ignored. The short-term behaviour of the stock market can feel entirely disconnected from reality. When confronted with this chaos, many intelligent people try to outsmart it. They try to figure […]

In almost every area of life, hard work and constant activity are rewarded. If you want to improve your health, you train more frequently. If you want to build a business, you put in longer hours. Action equals progress. But investing is a rare domain where this logic is turned upside down. In the world of wealth creation, constant activity is often penalised. When markets get bumpy or headlines become alarming, our instinct is to protect […]

In our last post, we looked at the foundational laws of money: spending less than you earn, insuring your risks, and respecting the erosive power of inflation. These are the defensive structures of a good plan. But defence alone doesn’t build the life you want. You also need to move forward. Today, we look at another three “unchangeable rules”, the principles that drive growth, manage uncertainty, and keep you sane in a crazy world. The only […]