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What Financial Independence Really Takes

FIRE isn't a trick or a scam. It comes down to one number — your savings rate — and one rule of thumb. Here's the maths, and where it lives in the UK.

2026-07-24 · figures checked 2026-07-19

Should You Just Buy the S&P 500?

The S&P 500 has been the easy winner — but 'just buy America' means one country and a handful of giants. The UK investor's guide: access, currency, concentration.

2026-07-22 · figures checked 2026-07-19

Do Fund Managers Beat the Index?

Paying a professional to pick stocks feels safer. Over ten years, roughly 94% of UK equity funds lose to a simple index — here's why, and what it means.

2026-07-20 · figures checked 2026-07-19

Dividend Investing: Myths That Cost You

Chasing the fattest yield is the classic beginner injury. Four dividend myths — yield traps, 'free money', funds, and growth — untangled for UK investors.

2026-07-18 · figures checked 2026-07-19

Think of Yourself as a Company: Your Lifetime Cash Flow

You ran at a loss for 22 years, then your income line flattened out. Why your capacity to invest peaks earlier than you think.

2026-07-16 · figures checked 2026-07-16

The Real Cost of Car Finance: What £299 a Month Actually Buys

Around four in five new-car finance deals in the UK are PCP. Here's what those monthly payments really cover — and what they cost your future.

2026-07-16 · figures checked 2026-07-16

The Hidden Cost of Playing It Safe With Your Money

Millions of UK savers hold £10,000+ almost entirely in cash. Here's why avoiding all risk can quietly become the biggest risk of all.

2026-07-16 · figures checked 2026-07-16

The Best Day to Decide Is Today

A decision made in year nine barely changes year ten. Why the radical money choices belong to today — and what 'radical' does not mean.

2026-07-16 · figures checked 2026-07-16

Just Start: The Myth of the Perfect First Investment

Index fund or savings account? Which platform, which fund? The honest answer for beginners: the vehicle matters less than the starting date.

2026-07-16 · figures checked 2026-07-16

Do You Need Qualifications to Be a Good Investor?

CFA, CISI, IMC — valuable for a finance career, largely beside the point for your own portfolio. What to study instead, for free.

2026-07-16 · figures checked 2026-07-16

Dividends and the ISA: Britain's Quiet Compounding Machine

Monthly investing plus reinvested dividends inside a Stocks & Shares ISA — the numbers, the tax angle, and why 2027's ISA reform is a signal.

2026-07-16 · figures checked 2026-07-16

Buy-to-Let vs the Stock Market: Have You Actually Done the Maths?

If no inheritance is coming, property and markets are your two wealth engines. A 5% stamp duty surcharge changes that comparison — here's the sum.

2026-07-16 · figures checked 2026-07-16