Articles
Principles & Foundations
What it shows: Sorts everyday market headlines into "signal" (a real change in what a business is worth) and "noise" (a price move that changes nothing), and compares reacting on the spot with following a rule set in advance.
How it helps: Gives you a way to check a headline before acting on it, so decisions come from a rule you chose calmly rather than from the mood of the day.
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Principles & Foundations
What it shows: Works out what £200 a month grows to at a steady 7% (about £525k over 40 years), then compares the same saving started at 25, 30, 35 and 40.
How it helps: Shows why starting earlier beats saving more later, and why even a small yearly fee quietly costs you for as long as you pay it.
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Principles & Foundations
What it shows: Works out how many years of profit you are paying for at different prices (£75 versus £150 for the same £5 of profit), and maps business quality against price paid.
How it helps: Helps you ask two separate questions before buying anything: is this a good company, and is this a good price for it.
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Principles & Foundations
What it shows: Splits a £200-a-month, 7% pot into money you put in and money it earned, and times the first £100,000 (about 20 years) against the next (about 8).
How it helps: Shows why £100,000 is roughly where growth starts doing more of the work than saving, so you can keep going through the slow early years.
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Wealth Building
What it shows: Works out who did the work in the first £10,000 (about £9,000 saved, £1,250 grown, 45 months), how much growth really speeds it up, and what extra money is worth early versus late.
How it helps: Explains why the first stretch feels so slow, that this is normal, and why every extra pound added early counts for more.
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Tax / Wrappers
What it shows: Compares where each top-up comes from (tax relief plus employer money for a pension, a 25% government bonus for a LISA), when each pot unlocks, and works through an early LISA withdrawal: £4,000 paid in, £3,750 back.
How it helps: Lets you compare the two on how they actually work rather than a rule of thumb, and shows why an early LISA withdrawal costs you some of your own money, not just the bonus.
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What Happens If
What it shows: Follows $10,000 in the S&P 500 over twenty years (about $75,000 fully invested, about $34,000 if the 10 best days were missed), shows that 7 of the 10 best days came within 15 days of one of the worst, and how £200 a month buys more when prices fall.
How it helps: Explains why stepping out to dodge a fall usually means missing the recovery too, and what it takes to keep investing through one.
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Foundations & Mechanics
What it shows: Follows a share from the company that creates it to the price on your screen: where your money goes at an IPO versus afterwards, how an order travels, and how the order book and its spread set the price.
How it helps: Lets you tell whether a price move reflects a real change in the business or just a shift between buyers and sellers that day.
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Cycles / Macro
What it shows: Traces the chain from a rising oil price to falling share prices, works out why a £100 bond drops to about £92.64 when yields go from 5% to 6%, and why the same rate rise takes 9% off one company's value but 14% off another's.
How it helps: Gives you a way to follow an oil or interest-rate headline through to your own investments, and to ask whether the news was a surprise or already expected.
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Behaviour & Psychology
What it shows: Maps how buying grows with the price through a market cycle, the three forces that all peak at the top (certainty, the crowd, fear of missing out), and the 2024 behaviour gap: the market up 25.0%, the average fund investor 16.5%.
How it helps: Gives you two questions to ask before buying something that has already risen sharply: has the business changed or only the price, and am I buying on what I know or because others are?
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Behaviour & Psychology
What it shows: How the price you paid becomes an anchor, a study where gains were sold about 50% more readily than losses (14.8% versus 9.8%), and Palantir's fall and recovery to show what selling at a 100% gain missed.
How it helps: Takes the purchase price out of the decision with one question: if I didn't already own this, would I buy it today at this price?
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