Ever since my parents passed away, I’ve aspired to own my own property – not as an investment, but as a home. Consequently, I’ve spent many years squirreling money away to put towards a deposit and eagerly reading any information I could find on the financing of property deals. When I was younger, I assumed […]
Being a business student, I find the structure and thinking of much of the business world a useful lens for viewing aspects of my personal life. Once a year, I imagine sitting with my ‘board’ and presenting my progress for the year. If I’ve done well, I could imagine that external investors (my girlfriend, my
If your household were a company, would it be an attractive investment? Read More »
A few weeks ago, I was having a conversation with a friend of mine who works for a big investment bank. He’s always struck me as an intelligent and considerate person, so it doesn’t take much effort to listen to him when he’s explaining his thoughts on something. This friend is reasonably high up the
Have you ever wondered how to go about analysing a Cap Rate for an investment ? Are you trying to figure out what NOI means? Do you want to know how to calculate the various types of ROI, like Cash-on-Cash Return and Total Return? If so, no need to struggle alone – I’ve written what
An introduction to Real Estate Investment Analysis Read More »
The ability to acquire income generating assets is an essential part of achieving financial independence. If you can generate enough income from your savings, investments and business ventures, you can effectively ‘retire’ from the 9-5 grind of every day employment. For many people, this might seem like a pipe-dream, but it’s a serious goal of
There are many criteria I consider when making an investment in a stock. Among them is the price relative to historical value; does it look cheap, or is it at an ‘all-time high’? In theory, if I believe a company to be solid, short-term fluctuations in price are meaningless, so a falling value only encourages
We all know that a moment in time can change our lives forever. A decision we make, a path we take, a road we choose – they can transform our lives for better, or worse. It’s usually impossible to know exactly what the outcome of our actions will be. But by being prepared to deal
With constant reports of incomes being squeezed, house prices rising, and new fears about inflation ticking upwards, are you making the most of your money? In my opinion, the most efficient way to generate an income is to utilise tax-free allowances to maximise your tax-free income. To those that follow personal finance, you’ll know that ever
I generally try to avoid too much controversy on this blog. Admittedly, I might occasionally pen a provocative opinion piece, but by and large, I try to stick to informative articles. Earlier this week, I took a call from now investor who really, really wasn’t ready for an investment in his business. That might sound
Are you ready to start seeking investment in your business? Read More »
I’ve written before about my approach to investing and trying to create an income producing portfolio of assets. It’s been difficult to find stable and secure investments over the last few years; especially if you’re trying to find income producing investments. Naturally, my search for income isn’t restricted to a single asset class, but historically,
Thoughts on creating an income producing portfolio Read More »
In my opinion, the key to achieving financial freedom is becoming financially literate. Becoming financially literate is the best way you can achieve ‘quick wins’ financially, and move yourself towards the future you want. As investment and business are rarely taught well in an academic context, financial literacy is pretty poor for most of our society.
Originally introduced as a way for ’Average Joe’ to buy into the stock market, Mutual Funds have experienced roaring inflows of investment for decades. Pooling the every day savings of millions of retail investors, they were championed as a great way to get professional investment management. But more recently mutual funds are losing their attractiveness
There is more information available to the average UK citizen than at any previous time in history. With just a few taps of a screen we can now access information on a whole range of retail investment opportunities; information on savings accounts, stocks, ISAs, PIPs, bonds, investment trusts and REITs is readily available and more
Are you missing the best investment opportunity? Read More »
I’m often asked how to go about sourcing investment opportunities. In my opinion, the ability to build relationships and connections is absolutely fundamental to success; the ability to establish a wide network of entrepreneurs and investors can help you to start developing a stream of opportunities far more lucrative than a simple retail bond or savings account.
Earlier this month, Panorama launched a documentary entitled ’The Great Pension Rip-Off’. The documentary was about the dangers posed by the Conservative’s recent pension freedoms, and as expected, there were the usual list of woeful stories from individuals who had been conned out of their hard-earned pensions by an unscrupulous company looking to make a
