{ in·deed·a·bly }



How do investment return expectations vary by age and geography? Quite a lot as it turns out, with an average expected total return of 10.2%

Highly commended

Last week { in·deed·a·bly } received a Highly Commended prize in the UK Blog Awards.

Designed to fail

When short termism dominates over longer term strategy, the results are usually suboptimal and expensive.

Feels like home

Is home the place you are from? The place you are now? Your happy place, surrounded by loved ones? Or just maybe, home is a feeling.

Random acts of bastardry

Have you ever been tempted to pack it in, stop living by rules defined by others, and start pursuing your dreams? I was.

Choose your poison

Everyone is afraid of something. Our fears influence our motivations and behaviours. Understanding fear leads to better decision making.

A professional, not an expert

Choosing the profession qualified to help solve your problem is half the battle. Most professionals aren’t experts in their fields.

Financial junk food

Most Personal Finance content is quick, easy, and bad for you. Getting a few strategic decisions right yields a more optimal outcome.


What would you do if your parents sued you for parental maintenance? That is the topic of today’s thought experiment.


Children, property, and pensions. Each are big decisions. How many are influenced or manipulated by external puppet masters?

Taxes are optional

How can the same person, performing the same function, for the same organisation receive vastly different disposable incomes? Tax management

Invert and win

Exploitation of weaknesses in a system to turn it on itself, and deliver outcomes at odds with the original purpose, is alarmingly common.

What you keep

It isn’t what you make, but what you keep that determines your wealth. How does income influence asset allocation?


It is human nature to seek out shortcuts, but pursuing easy answers may have unexpected consequences. Dividends, capital growth, or both?


Poor investment choices can cost an investor years of their life, requiring them to work for far longer than necessary.


Returning to the working world after a semi-retirement is always challenging. How do we manage the inevitable reentry problems?

Left behind

Inequality breeds discontent and a feeling of being left behind. Silence is different to acceptance, yet prosperous people don’t protest.

Abandon ship

What would you do if you had to evacuate with little notice, and could not return home again?

Grand design

A step by step case study walking through the process of finding, and financing a self-funding cash flow positive investment property.

almost exactly wrong

Many Personal Finance bloggers deploy wishful thinking and self-delusion to track their finances. Here is how to do it properly.

Conflict of interest

Employers trade-off profitability and employee best interests. Pensions and health care are particularly vulnerable to this conflict.

Spectator sports

Renting buys flexibility and avoids accountability, but at a cost of forgone home equity accumulation. Think long term, and choose wisely.

The lies we tell

Calculating your annual net worth and savings rate? Will you analyse and learn from what they have to tell you? Most won’t!

FIRE extinguisher

I have observed a sense of malaise and disillusionment with elements of the FIRE “movement”. What is causing it? What has changed?

What do you do, when you do what you do?

Successful investors develop self awareness by understanding their drives and motivations when decision making.