Wall of worry

Wall of worry

What should you know?  The relentless rise of stock markets is matched only by the equally relentless flow of negative news events that often create stock market volatility.   The high frequency of these events, and the needless fear they create, are enough to deter...
Zooming Out

Zooming Out

What should you know?  In the short term stock markets often appear random and erratic, especially during times of global uncertainty. Sentiment can change from positive to negative, and back again, on a weekly or daily basis without any clear trend or pattern.   It...
One Day Can Make a Big Difference

One Day Can Make a Big Difference

What should you know?  Trying to time the market is a trap that self-directed investors can commonly fall into.  It sounds simple enough, sell right before markets start to fall and buy again just before they start to rise.   Alas, the evidence clearly shows that...
Predictably Unpredictable

Predictably Unpredictable

What should you know? Investment markets do not tend to move in straight lines. This can be frustrating, especially for newer investors who may not be accustomed to volatility. Whilst it’s impossible to reliably predict when ups and downs will occur in the future, you...
Compounding Your Contributions

Compounding Your Contributions

What should you know? Successful investing is the combination of two defining factors, things you can control (your financial behaviour), and the things that you cannot control (the stock market, global politics, government economic policy etc). We know that, if you...
The Hierarchy of Financial Needs

The Hierarchy of Financial Needs

What should you know? As you move through life, it is common for your financial needs to evolve. You begin by dedicating 100% of your income to your basic needs. Over time, as your wealth and income grow and your more basic needs are satisfied, you progress onto more...