We are fortunate to have so much information readily available.

Below is content that I have found useful. Note that I don’t have any preferred source, I am not biased in any way. I am not making any statement on any organisation. I am just sharing information as and when I come across something interesting.

“Lack of direction, not lack of time, is the problem. We all have twenty-four hour days”

Zig Ziglar

Important Pension Information

Below are very important considerations that will impact the value of your pension upon retirement.

1. Starting early does really matters. This is due to the ability to compound your saving more often. However, now is better than later and it’s not too late to improve your pension plan. The more money you can put up early on, the better your chances of growing your retirement pot.

2. You must understand your pension fund. Most funds don’t outperform the general stock index. In the majority of cases, passively investing in the index results in more money. Note, you are essentially paying for a service that actively manages your pension investments, but fund managers have proven not to have a superior ability to beat market performance. You are then in turn charged transaction fees for getting in and out of many trades. This results in significantly eroding the growth of your savings.

3. Know what fees you are being charged. The fund fees on your pension is most likely robbing you blindly. They may seem small and some are even hidden from sight, but these fund management fees are taking huge chunks out of your retirement money. In addition, when you compound these fees it means that at the end of retirement your have lost out a large proportion of your investment.

Understandable a lot of people don’t choose their pension plans as their employers are in charge of selecting the best options. However, not many companies are in a position to select the best plan. Take initiative to understand your plan better and discuss this with your colleagues. Collectively you can influence the procurement process of your company or at minimum make contingency plans outside of that plan.

Surprising Truths about Trading

This is one of the best videos I have watched, that gives an insider perspective of our banking system. Watch this video from Anton Kreil and it’s likely that you won’t view trading in the same way again.

Cryptocurrency Developments

There is a lot going on the Cryptocurrency space. Things are still very uncertain and volatile. I am confident to say, that the industry will continue to develop and be incorporated more mainstream in the near future. This is because there is a lot of value to be gained from a more efficient payment system. This is not suggesting, in anyway, that there is money to be made here, just that it might be a good idea to have some knowledge on it.

Here is an interesting article that just came out today and I enjoyed reading.

Digital Transformation in Finance

It is about time to get up-to-speed with technological changes. This is not to scare anyone, it’s just to get in the habit of continuously learning. Everyone will learn to adapt in good time, just as we have always done. If we can start developing ourselves now, then as things start to change, we will find it that bit easier to adjust.

Much More to Come – Summer 2020

Date: Wednesday 05 August 2020

I would like to give an update, as I haven’t forgotten about this special project of mine. I needed some time to refocus priorities. In the last few months I have consumed a large amount of information on the financial markets and I am working on various ideas. I have undertaken various opportunities.

I have so much more to write about and with a new found direction for this website, I am hoping it will be of valuable.

I am really proud of where I have come and having found a creative outlet for these ideas and visions. With patience, you will find more is to come.

In these strange times, I find that it would be of even greater importance to share ideas and experiences relating to the financial markets. No doubt, we are going through some scary times, great uncertainty and a potential stock market crash and even more disastrous recession that is looming around the corner.

Please to anyone trying to make investments or trade the stock market…be extra careful! It’s time to play it safe right now and all is not what it seems. This is not one of those times to accumulate patient that time will come. Stay liquid and safe and ride out the worst that could come.

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