Special Offer: Get 15% OFF your first FIGS order with code FIGSUK at checkout.
Shop now at https://www.wearfigs.com/

———————————————————————
UK Dentists: Collect your verifiable CPD for this episode here >>> https://courses.dentistswhoinvest.com/smart-money-members-club

———————————————————————
Most investing mistakes are not dramatic blow-ups, they are quiet, expensive decisions made in the wrong order. We keep it simple and practical by using a four-part framework you can apply to any portfolio: choose your asset first, then the fund, then the account, and only then the platform. That one change stops you picking a shiny investing app and shoehorning your plan into whatever it happens to sell, and it puts the focus back on what actually drives results: asset allocation and time horizon.

We dig into the part almost everyone gets wrong: confusing risk with volatility. Volatility is the price of admission for long-term returns, especially if you are investing for 10+ years. We also pull inflation into the conversation, because returns that fail to beat inflation are not real progress towards financial freedom. Using clear examples, we explore why some “low risk” portfolios can be risky in a different way, by making it harder to reach your goals.

From there we move into the nuts and bolts: using funds, ETFs and index funds for global diversification, what to look for in tracking and fund charges, and why passive investing often wins after fees. We then weigh up UK investing accounts such as a General Investment Account, an ISA, and a pension or SIPP, focusing on the trade-off between tax efficiency and access. Finally, we talk platforms, the reality behind “no fee” claims, flat fee versus percentage pricing, and the fee ranges that should make you pause.

———————————————————————
Disclaimer: All content on this channel is for education purposes only and does not constitute an investment recommendation or individual financial advice. For that, you should speak to a regulated, independent professional. The value of investments and the income from them can go down as well as up, so you may get back less than you invest. The views expressed on this channel may no longer be current. The information provided is not a personal recommendation for any particular investment. Tax treatment depends on individual circumstances and all tax rules may change in the future. If you are unsure about the suitability of an investment, you should speak to a regulated, independent professional. Investment figures quoted refer to simulated past performance and that past performance is not a reliable indicator of future results/performance.

Send us Fan Mail