Smarter Investing: Simpler Decisions for Better Results (Financial Times Series)

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But note that the miracle of capitalism means you can actually diversify perfectly well with a single product, if you choose a multi-asset fund. Currently he leads his firm Albion Strategic Consulting, in providing consulting and investment training to the investment and wealth management industry, which he set up in 2001 after working at Chase Asset Management (now part of JP Morgan), in both sales and strategy roles. Note: InvestEngine (UK) Limited is Authorised and Regulated by the Financial Conduct Authority, [FRN 801128].

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If you have money in a pension where there are limited cash options again that is an argument for bonds.

uk" - See all my reviews "Smarter Investing- simple decisions for better results " by Tim Hale is the clearest, best written introduction to intelligent investing published in 2006.

Investment portfolio examples: asset allocation models for

The book is well written, draws the reader step by step into quite complex arguments without resorting to jargon and technique short cuts. If greater, reduce bond allocation % to 10x the portfolio bonds’ weighted average yield to maturity figure.They’re very different to each other but both are exceptionally well thought through, respectively for a decumulator in FIRE and for the cautious wealth preserver. Also wondered how the Ready for anything portfolio would have compared against a multi asset like VLS60.

Tim Hale - Smarter Investing — MoneySavingExpert Forum Tim Hale - Smarter Investing — MoneySavingExpert Forum

I’m 7-8 years away from FI but 95% equities so still carrying substantial risk, although my FI date isn’t a hard stop for RE. Smarter Investing introduces you to a simple and powerful set of rules for successful investing, helping you to build an investment portfolio that suits your needs, stays the course when markets get rough and quietly gets on with the job of generating better results. He says that the 80 / 20 rule (the Pareto principle) holds true in investment as much as anywhere else. Indeed given the paucity of UK books on passive investing, it’s worth us taking a detour to see what else has gone walkies from the 1st edition.Agreed, I found it very helpful but quite a few points (such as bond / equity split) are over emphasized and repeated. It is probably a tough first read and I know a few people who’ve bounced off it, probably because it was too steep a hill to climb. Tim says that when he was writing the book, his friends and colleagues asked him to keep it short, since they didn’t have much time.