Good Reads

Grab yourself a cup of tea and a biscuit – because Lars Kroijer is here again with more answers to your burning questions. As regular readers will know, this is a collaboration between Monevator and Lars' popular YouTube channel. Every month Lars picks a few of your questions and then answers them individually, in video and transcript form, as below. We've already got enough questions to last us a year or two, so sit back and enjoy! Note: embedded videos are not always displayed by email browsers. If you're a subscriber over email and you can't see the videos, head to the Monevator website [...]
Thu, Dec 12, 2019, Continue reading at the source
Tax efficient investing for your ISA or SIPP
Can't fit all your investments into your ISA and SIPP tax shelters? Then you're going to have to make some choices. Happily, the pecking order for maximum tax efficiency is clear cut. In order of most important-to-shelter to least: Offshore funds without reporting fund status Bond funds REITs Individual bonds Income producing equities Foreign equities (arguable) To see why this sequence is likely to suit your circumstances, let's just quickly tee up the relevant tax rates: 2019/20 Income tax Dividend tax Capital Gains Tax Tax-free allowance £12,500 £2,000 £12,000 Basic rate taxpayer 20% 7.5% 1o% Higher rate taxpayer 40% 32.5% 20% Additional rate taxpayer 45% 38.1% 20% (Note: The above capital gains tax rates are for investments like shares. Capital gains on residential property other than your own [...]
Tue, Dec 10, 2019, Continue reading at the source
Your 401(k) is part of the three-legged stool for retirement. The other two legs are your after-tax investments and your ability to make side income. You can't count on Social Security or a Pension anymore. If they are there, great. If not, you never counted on them in the first place. Check out this post with all the latest 401(k) charts and graphs. [...]
Mon, Dec 09, 2019, Continue reading at the source
I like Marks & Spencer. No really, I do. I used to buy most of my clothes from M&S back in the late 1980s and early 1990s, when I was in my late teens and early 20's. The clothes were well made, the designs were mainstream and the consistency of quality and sizing was second […] [...]
Wed, Dec 04, 2019, Continue reading at the source
For the past year I have been building my climate-friendly 'green' portfolio. This includes a mix of renewable energy infrastructure trusts such as TRIG and Bluefield Solar and more recently, several individual companies such as Orsted and AFC Energy. The UK is moving quickly to replace its dependence on fossil fuels and embrace clean energy alternatives such as solar and wind. However, the national grid system needs to match supply with demand. This is easier to do with coal and gas but with intermittent solar and wind, it becomes more unpredictable and it's therefore important to introduce forms of storage [...]
Mon, Dec 02, 2019, Continue reading at the source
This is my favorite time of the year because it's a time where we can all look back and be grateful for all that we have. I'm truly grateful to all of you for listening and sharing the Financial Samurai podcast and articles all these years. Your feedback is what keeps running Financial Samurai so much fun! Here's a related post about how I think most of our success is mostly luck. [...]
Sun, Dec 01, 2019, Continue reading at the source
Most of the brouhaha about the rise of passive investing comes from the intuitive feeling that passive investors are only along for the ride, they don't know or care ‘owt for what the companies they hold passively are up to. Insofar as they are not engaged shareholders, they don't guide the companies they own collectively, and the burden of shareholder feedback falls upon a smaller band of active investors. Most of the argument about this in the FI sphere is a concern on corporate governance and returns, and there are various forms of rebuttal. The dumb passive billions are like [...]
Thu, Nov 28, 2019, Continue reading at the source
The Octopus Group is one of Europe's largest owners of solar power and globally manages over £3bn of assets in renewable energy. It operates a venture capital arm and also a household energy supply business with over 1 million UK customers.With increasing concern about climate change in recent times from public, pension funds and other institutional fund managers, there is a growing demand for climate-friendly investment options and the renewables infrastructure sector has seen over £1bn of new capital invested in the first half of 2019 with several new trusts being launched as well as expansion of existing trusts. Most [...]
Sun, Nov 24, 2019, Continue reading at the source
November 2019 marks a couple of significant anniversaries for me. The first anniversary is that it's now 10 years since I started this blog with this first very amateurish post. As far as the FIRE movement goes, particularly when we compare it with the number of FIRE blogs today, these were very quiet days. Notably Early Retirement Extreme wasn't quite 2 years old while Mr Money Mustache was [...]
Sat, Nov 23, 2019, Continue reading at the source
Okay, so this isn't actually my worst investment ever (I managed to invest in Yellow Pages provider Yell before it went bust in 2013), but it's pretty close. The company in question is called Xaar. It's a small-cap “disruptive” technology company, and that immediately puts it somewhat outside my usual hunting ground of long-established FTSE […] [...]
Thu, Nov 21, 2019, Continue reading at the source
My son and I are having a beautiful Saturday night here at home. The sun is setting over the mountains outside my bedroom window and I've just finished baking a pizza which I am about to serve up for his dinner. Although our day has been very simple, there has been an underlying magic within it that triggered an epiphany that I just had to write to you about. Because within this simple moment seems to be the secret to pretty much everything. We woke up to a cloudless blue sky and were treated to summer-like warmth even though [...]
Tue, Nov 19, 2019, Continue reading at the source
Fintech is a jazzy name for innovation in ways of providing you with financial services. It usually involves a mobile phone, which should never be involved in anything valuable to you, because of the ease with which ne'er-do-wells can run off with your phone number via a SIM swap. But it doesn't have to. The trouble is in the word innovation. A lot of innovation is put into parting you from your money. It began with Access being your flexible friend, helping out Money when you run out of month. The song's still the same after 30 years, but innovation [...]
Thu, Nov 14, 2019, Continue reading at the source
If you're a UK based investor who's interested in keeping investment expenses low then it's highly likely that you're using Vanguard index and exchange traded funds (ETFs). If that's you then on Wednesday there was some good news with Vanguard lowering many of the annual expenses associated with these funds. Full details are here which contains a list of the OCF reductions. In most cases [...]
Fri, Oct 25, 2019, Continue reading at the source
As a general rule, Mr. Money Mustache avoids reading the daily news and ignores the fluctuations of the stock market. And he advises you to do the same thing. The negative factors of wasting your time, diluting your precious brainpower, and creating undue stress by worrying about things outside of your circle of control far outweigh any slight advantages you might get from the tiny slice of news stories that are actually useful and relevant to your daily life. But on very rare occasions, something will squeeze its way through the News Sphincter that is worth addressing, and last week I [...]
Thu, Sep 12, 2019, Continue reading at the source
Has anyone else noticed as you get older time seems to fly passed with an ever-increasing speed? It doesn't seem that long ago that I last wrote a massive update on here and yet looking back it's actually been over 6 months. Alot has changed in that time so perhaps now is as good as The post Summer Networth update appeared first on . [...]
Fri, Jun 21, 2019, Continue reading at the source
It seems life over the past year or so has been chugging along like an old steam train passing through the vast plains of the old American west. Occasionally it might approach a bend, or need to stop at a dusty wooden built town, but inevitably the steam cloud starts rising again and onward the The post Well now, this changes everything appeared first on . [...]
Wed, Dec 19, 2018, Continue reading at the source
Peckham Spring Water
It's that time of the year when ridiculous consumer spending seems to prevail and dominate most peoples lives. This year like others I've tried to avoid unnecessary spending and instead focus on spending quality time with family and friends and giving thoughtful gifts where appropriate. I thought I'd take the time to share a recent story from the office of consumerism gone mad. I recently stumbled into a conversation at work where some colleagues were discussing the saneness of one particular gentlemen in the office. He'd just taken delivery of a bottle of water to his desk from the internal postal [...]
Wed, Dec 27, 2017, Continue reading at the source
To pay off the mortgage or to invest? That is the question. It's an often debated question in the world of financial independence and one thats been done to death in blogsphere several times over. In this article I won't go in depth into all of the pros and cons of each side of the argument but instead focus on describing what I do and why. If you're currently debating this issue internally here's a good look at the subject from the ever reliable Monevator. For the lazy amongst you here is a quick summary: Arguments to Overpay Your Mortgage It is equivalent to [...]
Thu, Apr 27, 2017, Continue reading at the source
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Full quote: “When we win on Nov 8 and elect a Republican Congress, we will immediately repeal and replace Obamacare. ” Made during many, many speeches, a tremendous number of huge speeches, the very best speeches, by U.S. president-elect Donald Trump. You can't always believe what candidates running for office say as they slog through their campaigns — gross exaggeration, pandering, and outright lies are to be expected by all involved — but when it comes to Obamacare, surely it is safe to believe that some real changes are in store for us. Why? Well, it's because the Republican party [...]
Fri, Nov 11, 2016, Continue reading at the source
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Quick disclaimer: I can't recommend that readers perform the actions I've taken, so be aware while reading I'm not suggesting that everyone should follow my lead here. Please don't, at least not before carefully thinking through the implications. Most people implement alternate solutions to solving their own moral dilemmas caused by index investing. (There are tons of good suggestions in the comments.) Another mass shooting here in America occurred last weekend, the worst ever, half a hundred dead, a like number wounded, all caused by one crazy asshole unleashing not exactly unimaginable horror on innocents. Of course, it's not unimaginable [...]
Sat, Jun 18, 2016, Continue reading at the source

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