DISCOVER YOUR UNIQUE SAVER BEHAVIOUR SCORE
Understand what drives your decision making and behaviour around money
Discover the answer in the next ten minutes with this unique free assessment
FIND OUT YOUR UNIQUE RETIREMENTALITY
Discover the things you want to do in your retirement
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Life Is Not A Rehearsal
Becoming a successful investor has very little to do with what you know and everything to do with how you behave around money. Good behaviour regarding your finances isn’t an easy thing to teach, even to really smart people because human nature is a failed investor.
Most humans are simply not hardwired to be good investors. In the real world people don’t make financial plans on a spreadsheet. They make them around a dining table, or in a meeting where their hopes and concerns are discussed and where their preconceived ideas around how investing works are challenged and often debunked.
People don’t plan to fail; they fail to plan. It has always been this way. Humans are highly emotional and irrational behaviour often trumps logic. I will educate you to make sure you do not self-sabotage your plan by doing the wrong things at the wrong time for the wrong reasons.
My job is not to talk you down from the ledge when times get tough, but to make sure you never climb up onto it in the first place. Working together we can build a flexible plan and easy to follow road map that will keep you on the right track. It’s like having a satnav for your money.
Spending less and investing more of your cash wisely to secure a good retirement isn’t exactly a groundbreaking statement
But it is 100% true, nonetheless
I am
Independent. Passionate about what I do. Honest. Transparent. Different.
I do
Listen. Teach. Explain things in plain English. Behavioural investment coaching. Only work with clients who understand and agree with my investing philosophy.
I don’t
Promise minimum or better returns than anyone else. Attempt to time the stock market. Suggest clients invest their money anywhere where I would not be comfortable investing my own.
YOU COULD ALWAYS B&Q IT
I am sure that most of us have tried DIY at one time or another. Things like assembling furniture, trying to fix your own car, or building a fence, but you’d never attempt open heart surgery on yourself because there is simply too much at stake.
However, many people like to go down the DIY route regarding their finances as they are sure they can do a perfectly good job themselves.
What follows are just some of the things you need to be confident you know before you do it yourself:
Ideally you should become a qualified independent financial adviser. It took me many years of study, exams, and experience to get to this point.
You should have a thorough understanding about how all the different taxes can affect and impede your wealth and you should be confident that you can arrive at all the right numbers regarding your personal circumstances.
It would be very useful to have a firm grasp on how all the different investments work so you can be sure you invest in the right ones.
Familiarise yourself with cutting edge software to highlight, sense check, and rationalise your numbers.
Make sure you are aware of all the bumps in the road that you are bound to encounter along your financial roadmap.
Be aware of the three big hurdles you must be able to understand, accept, and overcome to become a successful investor which are recognising the difference between volatility and the permanent loss of capital (these are two very different things), and the commonly overlooked silent assassin which is inflation and the devastating eroding effect it will have on your investments.
Be sure to keep up to date with all the legislative and budget changes in financial tax rules and how they might affect your plans and investments. If you have the time, subscribe to well established professional magazines and webinars to keep you well informed.
HOW EASY IS THAT?
Attempting to do all this yourself can be daunting. I provide the solution by doing all the heavy lifting for you, so you don’t have to concern yourself with any of this. If you think I can help you, then please get in touch and we can start to work together to help you achieve the lifestyle you want.
I HAVE ACHIEVED SOME GREAT OUTCOMES WITH BUSINESS OWNERS WHO ARE TOO BUSY WORKING IN THEIR BUSINESS RATHER THAN ON IT. SAFEGUARDING WHAT HAS TAKEN A LIFETIME TO BUILD IS SOMETHING OFTEN OVERLOOKED BY SUCCESSFUL BUSINESS OWNERS.
We don’t know what we don’t know
In 30 years as a Behavioural Investment Coach, these are the most common investor mistakes people make. Learn more by downloading my free eBook below.
Mistaking volatility for permanent loss
Throwing away good money after bad
Lack of Patience
Not tuning out the media mayhem noise
Attempting to time the market
Waiting for the right time to invest
Lack of diversification
Letting your emotions rule you
Not keeping management costs low
Putting all your eggs in one basket
Panic selling
Tinkering too much
Forgetting about the eroding effect of inflation
20 Mistakes investors make and
4 ways to avoid them (ebook)
Read and research all you can about human behaviour around decision making so you can discover your unique cognitive biases that affect your decision making around money. Newsflash, there are many and we all have them; you just need to be aware of yours.
Consider this question…
Could you save 20% of your income every month?
But what if I asked you whether you could live on 80% of your income?
It’s the same question just framed differently. To live on 80% of your income is to be able to save 20% of your income. When investing, there are nearly always two answers to the same question:
1. The Financial answer
2. The Emotional answer
And each one will take you in an entirely different direction. I can help you differentiate between the two.
What makes a successful lifetime investor?
Click the chart to see the percentage break down on the areas to focus on.
“Risk comes from not knowing what you are doing”
WARREN BUFFETT
CAN YOU BEAT THE STOCK MARKET?
Do you think you can time or beat the stock market? Let’s play a game. Click on the graph to find out just how difficult it is.
HOW MUCH MONEY WOULD I HAVE?
How much money would I have today if I had invested £1 a day from the day I was born? The historical compounded returns of the stock market over the long term are incredible. Click the image above to find out.
