A rapid fire rundown of how to calculate when you’ll achieve financial independence. The same plan could be adapted to any long-term financial goal.
long term goals
The complete guide to investing in a stocks and shares ISA including how it works, the rules, your allowance, tax breaks, costs, eligible funds and inheritance wrinkles.
A selection of rules of thumb that can help you devise your asset allocation strategy.
Forget peak oil and other abstract catastrophes, you need to grab motivation juice from the personal financial disaster lurking around the corner.
Saving is a long, hard journey and it’s all too easy to give up or go astray. Here are some simple tactics that will help you fulfill your goals.
Every journey begins with a single step. And when it comes to asset allocation that first step is working out your investment goals.
Will you be one of those misers found dead in a bed with his nose touching the ceiling because of all the money stuffed under the mattress?
How long does it take to save a million pounds and will I be making my roll-ups with £50 pound notes when I get there?
If you want to achieve a big goal (financial or otherwise) making it something you can get your head around first.
It’s easy to berate ourselves for falling short of our ideals but passive investors have plenty of reasons to feel good about themselves.
If you like plotting your financial goals, pretty graphs and powerful pieces of free software then MoneyVista could be for you.
In the grand finale of our three-part investing debate, we tackle edge – does it exist for humble folk? Then we shake hands and head off for a sherry.
Part two of our three stage smash-up sees The Investor turn the tables on The Accumulator to ask him why he never tried going active.
A seasonal passive vs active investing debate laced with a little humour, respect and fanatical devotion to the annihilation of the other side. [Not really]
With low interest rates and a recovering economy it’s more tempting than ever to invest rather than pay off the mortgage. Is it worth the risk?
Unless you’re a hedge fund manager or Jim Cramer you don’t have to care about picking markets and winning. Your risk is of failing to meet your goals.
To achieve a new year’s resolution, you have to REALLY want to achieve it. Then turn your goals into a winning action plan.
How to use a pension calculator as a quick and dirty way of identifying the holes in your retirement plan.
It’s the age old question — do you buy a bikini or new pair of Ray-bans now, or do you put the money aside for a nice cardie or a new pair of glasses when you’re 70?
There’s little as daunting in life as thinking seriously about living in old age when you’re still young enough to do something about it.
How much income will you need when you retire? Pieces of string come in all different lengths, but here’s a few pointers to working out your requirements.
This week we’re rustling up a retirement plan and asset allocation using a few simple principles and a retirement calculator.
If DIY investing is your hobby then you’re not alone. The Monevator massive is hooked on investing and we’re not embarrassed to admit it.
What happens when you despair that your financial goals look so far away? It’s time to reaffirm where you’re going, and why.
Nobody ever won a girl or wrote a pop song by thinking long term. But being a little bit boring goes a long way.
What follows is a personal post, but I believe it’s relevant to investing. I won’t be discussing underpriced stocks or earning more money. Instead I’ll share something that for me puts the business of personal finance into perspective. Call it an end of year message. I’m visiting my parents. In the next room, my gentle and intelligent [...]
Anyone who reads personal finance blogs is clearly more interested in money than the average person. If you write a personal finance blog, you’re even more interested in money (even if blogging won’t make you any). Can you be too interested? Are we deluding ourselves into thinking we’re being economically literate, whereas really we’re just [...]
So you’ve done your four financial crisis checks: Your savings are safe They’re earning more interest You’ve got a plan to pay off any debt Your mortgage is sorted for the foreseeable future. Time to turn over and fall back to sleep? Possibly. I’m serious! It’s often too late to Do Something once a financial [...]
Catching up with some of my favourite financial blogs (no, Monevator.com is not an island!), I’ve noticed a sour note on those that follow the net worth of the author (e.g. My 1st Million at 33 and Accumulating Money). I admire these writers for putting their cojones on the line so publicly. My thoughts certainly [...]
There are no true short cuts in investing, but I believe there are some subtle benefits in targeting income when making your investment plans.
Rather than whimpering, if you’re well positioned you should be whooping with joy that you’ve got an unlooked for chance to buy the same shares you were buying last month for 10%, 20%, or even 50% less than you expected to pay.