Emerging stock markets projected to overtake the US by 2030. That’s according to Goldman Sachs. Passive investors have looked to US stock market index funds and Global Funds such as the Vanguard FTSE Global All Cap Index for strong reliable returns over the past few decades. Should our focus change as we look to the next decade or two? Emerging economies like China and India, may hold the strongest growth opportunities. Unfortunately most passive investors will be underweight in these regions.   Disclaimer: This is not financial advice and you are responsible for your own investment ..read more

Are US stocks overvalued? We’re diving headfirst into the swirling debate surrounding U.S. stocks—are we on the brink of an overvaluation apocalypse, or is there still some juice left in the tank for investors? The signs point to a market riding high on the winds of optimism but perilously close to the edge of overvaluation. As the stakes climb ever higher, it’s time to sharpen our wits, keep our eyes peeled, and navigate these tumultuous waters with caution. Disclaimer: This is not financial advice and your are responsible for your own investment decisions. When investing capital is at risk ..read more

Market crashes are investors worst nightmares, but there’s a surprising truth you may not know.  Ready to learn one of the most crucial lesson in the world of investing: missing the worst days in the market can cost you big time. It’s counter-intuitive but true.  Picture this: you’re navigating the ups and downs of the stock market, trying to time your moves just right. But here’s the catch — if you’re not in it for the long haul, you might end up missing out on some of the most significant gains. You see, there’s a wealth of evidence suggesting that market timing is no walk in the p ..read more

Here’s a bold statement for you: no investor has ever lost money investing in the U.S. stock market over a twenty-year period. Let’s unpack that. Putting your hard-earned cash into the market can feel like stepping onto a tightrope sometimes. But let me tell you, when we take a step back and look at the big picture, the story of the market’s performance over time is nothing short of fascinating. So, let’s rewind the clock all the way back to the 19th century. Yeah, you heard me right, we’re going way back. From 1872 to 2018, the U.S. stock market has been through its fair share of ups and down ..read more

Buying individual stocks is a terrible idea, and I’m doing it anyway! So, here’s the deal: conventional wisdom says that trying to pick individual stocks is a surefire way to lose your shirt. And you know what? For most people, that’s exactly how it goes. The data on fund managers consistently shows that they struggle to beat the market over the long haul. But guess what? I’m diving headfirst into the world of individual stock investing, and against all odds, it’s paying off. I’m not just talking about a lucky streak either—it’s been trending up since February 2023, and the momentum just keeps ..read more

The ONS House Price Index data shows the first annual house price falls since April 2012.  House price falls are beginning to are visible across the overall market, particularly in specific regions. The observed declines in certain areas suggest that the impact of falling house prices has become more pronounced in recent months. Regional disparities underscore the nuanced nature of the slowdown. While some regions, like Glasgow and Midlothian, are yet to experience falling house prices over a 12 month period. However, the data highlights substantial declines in other areas, which are pull ..read more

Land registry house prices sold data shows that house prices are falling faster than reported. Average house prices data for the month of September 2023, shows year-on-year house price falls of up to 15%. When factoring in property type, falls in some regions were as high as 35% down compared to September 2022. Recent reports from prominent house price indices suggest improvements in the year-on-year trends. This has generated a new sense of optimism for the UK housing market. However, an examination of raw data unveils an alternative reality of deepening house price falls. In this article, I ..read more

Land Registry sold house prices data suggests a sharp decline in the average house prices across England and Wales. Utilizing information from HM Land Registry for Q3 2023 and Q3 2022, I’ve mapped the average house prices using publicly accessible sold data on the Land Registry website. It’s important to note that there’s a 6-9 month lag for completions to be reflected in the Land Registry data, providing an incomplete yet indicative view of year-on-year house price changes. The sold house prices data, encompassing total sales, overall averages, and percentage change in sales across various re ..read more

House price predictions for the next 5 years are surprisingly optimistic. Recent headlines might create the impression of a surging housing market, with five-year forecasts projecting growth starting in 2024. While indications suggest minimal price declines in 2023 and 2024, the optimism warrants scrutiny. These developments come on the heels of Nationwide and Halifax HPIs reporting month-on-month price increases from September to October 2023, hinting that the speculated house price crash may have already subsided. Eye-catching headlines proclaim the end of house price falls, citing supply sh ..read more

House price predictions for the next 5 years are surprisingly optimistic. Recent headlines might create the impression of a surging housing market, with five-year forecasts projecting growth starting in 2024. While indications suggest minimal price declines in 2023 and 2024, the optimism warrants scrutiny. These developments come on the heels of Nationwide and Halifax HPIs reporting month-on-month price increases from September to October 2023, hinting that the speculated house price crash may have already subsided. Eye-catching headlines proclaim the end of house price falls, citing supply sh ..read more