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Finumus

Don’t bother currency hedging your equity portfolio. Especially not if you live in the UK. It’s what old-timers call a Texas hedge: one that increases both risks and costs. Of course, with Sterling plunging in the past few days – for what, if I was being polite, I’d describe as idiosyncratic UK political reasons – [...]

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The Finumus household is enjoying its first interaction with the student loan scheme in 30 years. Our eldest is (hopefully) off to university in the autumn. Our youngest will be going two years later. Just to keep things interesting, the government is completely overhauling the student loans system for the 2023 intake. Hence we get [...]

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There are lots of new ways to make money in whatever crypto is right now. Which means lots of new ways to lose it too…

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This is the story of how I found myself over the pension Lifetime Allowance (LTA) and what I’m doing about it. It does not constitute investment advice. I use ‘pension’ and ‘SIPP’ interchangeably to mean a Defined Contribution pension. (Sadly, I’ve no experience of Defined Benefit schemes.) I started with the best of intentions. Sometime [...]

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You’re 27 years too late to the party…

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Do you have an investing edge?

Investing edge is (mostly) a fantasy concocted by people that (mostly) don’t have it, in order to make you pay.

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The platforms would have you believe nearly anyone can become an ISA millionaire. What do you think?

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