Which direction are you headed?

Which direction are you headed?

What should you know? Consider a plane that is setting off from Los Angeles, destined for New York. If the pilot accidentally adjusts the route by just 3.5 degrees to the south, it will end up in Washington DC. This small change is barely noticeable when taking off,...
What is the Stock Market?

What is the Stock Market?

What should you know? For many people, the ‘Stock market’ conjures up visions of hundreds of riotous traders huddled together buying and selling complex instruments that mere mortals could never hope to understand. This vision is encouraged by some in the industry who...
Bull or Bear, Don’t Despair!

Bull or Bear, Don’t Despair!

What should you know? We know that stock markets can be volatile, but when looking at nearly a century of bull and bear markets we can confidently conclude that the good times heavily outweigh the bad. The chart below shows the ‘Bull’ and ‘Bear’ markets in the S&P...
The cost of aging

The cost of aging

What should you know? The world’s population is aging and that trend is predicted to accelerate over the coming years. The chart below shows the % of the world’s population who are currently over 65 years old, and forecasts how that trend is expected to continue in...
What is risk?

What is risk?

What should you know? What risk is: Your savings slowly being eaten away by inflation. Spending too much. Making reactionary investment decisions. Not insuring your income and your life. Thinking you can time the stock market. Not saving enough for your future....