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In our opinion...

Views from the Plain English Finance team and our friends.
As featured in YourMoney, Money Observer, The Spectator, MoneyWeek and more.

February 18th, 2020

#59 — Biotech: Another higher risk asset class to consider?

This article is part 5 of a series: Part 1 | Part 2 | Part 3 | Part 4 -- This is my fifth article in a series that has been looking at a powerful and elegant idea for thinking about how you might invest: “100 minus your age”. As a very quick reminder of the story so far: In t...

by Andrew Craig

Founder & CEO

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February 7th, 2020

#58 — Which asset class averaged 15.3% a year for sixty years?

This article is part 4 of a series: Part 1 | Part 2 | Part 3 | Part 5 -- I ended my last article in this series by saying: “Choosing the MSCI World or S&P 500 is one approach and does a good job of keeping things nice and simple but a part of me does wo...

by Andrew Craig

Founder & CEO

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January 30th, 2020

#57 — 100 minus your age... / Part III

In my last article I covered some key ideas about investment in general – particularly the importance of ignoring the news, the crucial difference between investing and trading and the merits of only changing your most fundamental financial arrangements every five years or so. Today in this third article in the se...

by Andrew Craig

Founder & CEO

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January 20th, 2020

#56 — 100 minus your age... / Part II

In my last article article I covered various aspects of the “100 minus your age” rule. I explained the basics of the idea and then suggested you might use it to think about how to split any investments you have between “aggressive” and “defensive” holdings (rather than just between “equities” and “bonds” which is th...

by Andrew Craig

Founder & CEO

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January 13th, 2020

#55 — 100 minus your age...

Today I wanted to write about one of the classic old investment ideas: Something called the “100 minus your age rule”. Although this idea has been around for quite a few decades, as is so often the case in finance, most people have never heard of it. Given that it is a re...

by Andrew Craig

Founder & CEO

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November 1st, 2019

#54 — Entrepreneurs & "Intrepreneurs" - Part II

The week before last I sent an email out about our forthcoming Plain English Finance ‘Leverage’ programme. We have been delighted by the response. Enough people got in touch to make it impractical for me to respond to each of you individually. As such - I hope our broader readership will...

by Andrew Craig

Founder & CEO

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October 23rd, 2019

#53 — Financial Advice in the UK

Hardly a week goes by without me fielding an email from someone asking me for financial advice, invariably after having read my book. It is not uncommon for someone to get in touch, say something very kind about my book (which is very much appreciated of course) and then give ...

by Andrew Craig

Founder & CEO

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October 10th, 2019

#52 — Are you an entrepreneur or an "INtrepreneur"?

Calling all entrepreneurs and "intrepreneurs"... I know that a fair number of our readers are entrepreneurs and many more have a conventional job where there is scope to be entrepreneurial (often called an ‘intrepreneur’). If this describes you - or if you are interested in becoming an entrepreneur or i...

by Andrew Craig

Founder & CEO

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September 18th, 2019

#51 — 'Owning the World' - if you're not in the UK

As I mentioned in my last article, nowadays we have an audience in no less than sixty-five countries (or, at least, people with proxy servers based in that many countries). In the last few years, a large number of such people have got in touch with us to ask how t...

by Andrew Craig

Founder & CEO

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September 4th, 2019

#50 — Which broker should I use?

Anyone who has followed my output for any length of time may know that I have been pretty regularly on record as an effusive supporter of the UK stockbroker / investment supermarket / platform company, Hargreaves Lansdown (HL). In the “Complete Guide to Owning the World” document which subscribers to our Community get ...

by Andrew Craig

Founder & CEO

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