The first page of a Google search for the 60/40 portfolio suggests we have a problem. The headlines claim the 60/40 may need to be ‘rethought’ or ‘may not have a future’. It is no longer ‘good enough’. So is the 60/40 portfolio dead? Dying? Should you jump ship if you’re sitting in the Vanguard […]

This is the story of how I found myself over the pension Lifetime Allowance (LTA) and what I’m doing about it. It does not constitute investment advice. I use ‘pension’ and ‘SIPP’ interchangeably to mean a Defined Contribution pension. (Sadly, I’ve no experience of Defined Benefit schemes.) I started with the best of intentions. Sometime […]

What caught my eye this week. The FIRE1 gospel has probably spread so widely because people can quickly grasp the point of Retiring Early, even if they struggle with the airier notion of Financial Independence. Wrap-up it up in a catchy acronym like FIRE and boom! A meme was born. Just compare FIRE to a […]

Every now and then someone sends me their portfolio for thoughts and suggestions. One particularly stuck in my mind because it’s the type of portfolio I could have had if events had turned out differently. Reviewing it made me feel like I’d been transported to an alternate timeline. One of those parallel universes where the […]

This article on the importance of your savings rate is by Budgets and Beverages from Team Monevator. Check back every Monday for more fresh perspectives from the Team. I have a new hero in life. His name is Tony Stark. You might know him as Iron Man. Tony Stark is a superhero and plays a […]