Weekend reading: Brexit, still crazy after all of these years
Monevator
by The Investor
2d ago
What caught my eye this week. Much younger readers who’ve known nothing but the lifestyle-curbing consequences of Brexit – not least no right to live and work across the continent like their parents enjoyed without a thought – may find this hard to believe. But Monevator lost a big chunk of readers in the aftermath of the 2016 referendum. Many leave voters didn’t like it when I de-cloaked as someone who thought the whole thing was a crock – and threw this little website into the (futile) fight against the hardest Brexit on the table. You see, at the time the investing media and forums were do ..read more
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Family Investment Company: Frequently Asked Questions (The FIC FAQ)
Monevator
by Finumus
3d ago
This article on the pros and cons of a Family Investment Company covers some nuanced issues around accounting and tax. It will not be relevant to the finances of 99%+ of readers – though we expect many more of you will find it interesting, and anyway we want the 99% to understand what the 1% are up to. The article is certainly not personal guidance. You should not act on ANYTHING in this post without seeking professional advice. This article is for entertainment purposes only. Can you avoid dividend tax by investing through a limited company – specifically by investing via what’s sometimes ca ..read more
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FIRE: Emergency midwinter broadcast
Monevator
by The Accumulator
3d ago
Often times when somebody goes a little off-piste with their investments, I will make clear in the introduction that this site is for informational purposes only. It is not personal advice as to what you should do. Well, with my co-blogger apparently having gone off his rocker, I’m double underlining that today. Read on for enjoyment – but subscribe to his kind of cool at your peril! One unfortunate development liable to banjax, derail, or otherwise severely stress-test a financial independence plan is galloping inflation and a cost of living crisis. Oops! One minute my energy bill was a natio ..read more
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Weekend reading: we shouldn’t have to think twice about energy demand
Monevator
by The Investor
1w ago
What caught my eye this week. After several false alarms, the past week saw National Grid throw the switch on its demand flexibility service. Like much else in modern life, there’s a bit of double-speak going on here. The ‘service’ on offer for those taking part actually involves degrading something we in the UK take for granted – electricity at the flick of a switch, whenever we want it, and the luxury of use without guilt or much thought. Instead those who sign-up (and who must have a smart meter) are paid an incentive for using less power than they normally would during set peak periods. F ..read more
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Swap rates and mortgage rates
Monevator
by The Investor
1w ago
For sure I’m not the only homeowner who has been refreshing their mortgage options every day for the past few months. But are you also following swap rates? Swap rates might sound like the relative popularity of Lionel Messi versus Cristiano Ronaldo in the Panini sticker trading game. But they’re actually a vital bit of the financial system plumbing. Swap rates largely determine mortgage rates, as well as much else that’s numerical and curvy in the financial world. By keeping an eye on swap rates, you can better understand why you’re offered a particular mortgage rate. True, you probably won ..read more
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The excellent Vanguard cash interest rate hiding in plain sight
Monevator
by The Accumulator
1w ago
Better known as a global investment giant, Vanguard is currently paying a highly competitive interest rate on cash parked in its ISA, SIPP, and general trading account products. Vanguard doesn’t publicise it but you can currently earn a Vanguard cash interest rate of 3.0935% to 3.1% on money you leave uninvested in its platform.  This ‘hidden’ Vanguard interest rate compares very favourably against leading easy-access savings accounts and cash ISAs topping the ‘best buy’ tables at the time of writing.   Vanguard cash interest: how it’s calculated Vanguard’s interest rate is cal ..read more
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Weekend reading: Self-service portfolio checkout
Monevator
by The Investor
2w ago
What caught my eye this week. A fortnight ago I posted a couple of reader polls, asking you how often – and how – you checked up on your investment portfolio. More than 2,600 of you voted! Thanks to everyone who did their click for England Monevator. I promised to share the results. They might be especially interesting to those who check their portfolios less frequently. (Because presumably you aren’t the sort to go back to the original article after a week to see how everyone else voted…) How often is normal The first big takeaway is that over half of Monevator readers (yes, who voted in thi ..read more
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Are you lost in Neverland? Fear of investing is a familiar and costly story
Monevator
by The Investor
2w ago
Like being too scared to date or too shy to visit a gym, the fear of investing is a hangup that costs you nothing in the short-term but can cripple your long-term future. I’ve seen it many times over the decades. More so as my family and friends have come to think of me as the person they know who is into investing. They approach me with their hopes and fears. Many people grow up with no role models who invest. It can all seem foreign and frightening. My own working-class parents relied on a defined benefit pension – and their home – for their old age. They didn’t think about shares once. My ..read more
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Weekend reading: these Vanguard expected returns remind us it’s darkest before the dawn
Monevator
by The Investor
3w ago
What caught my eye this week. Things are looking up for investors. Not because the markets have got off to a strong start in 2023 – the gains logged so far could reverse in a day – but because the pain of 2022 has set the stage for higher future returns. This is often overlooked during a bear market, probably because those paying the most attention have already invested a decent sum of money. It hurts to see it hammered. In contrast, those 20- and even 30-somethings who most benefit from the falls have often yet to realize they need to invest for the future. And they aren’t paying attention ..read more
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FIRE-side chat: Retiring early to travel the world in a motorhome
Monevator
by The Investor
3w ago
Today we’re kicking off our monthly interviews with Monevator readers who’ve achieved financial independence and/or early retirement (aka FIRE). In this debut episode, Mark Greene explains how a pretty conventional work-life and a lot of saving and investing unlocked an early and unusual retirement for himself and his wife. We hope it inspires you. Also, I want to give a quick shout out to ESI Money, whose interviews with US millionaires inspired this series. Do check them out! Okay, let’s get this show on the road – appropriately enough, as you’ll see… A place by the FIRE Hello Mar ..read more
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