As an investor who is primarily focused on receiving income from my investments, I am aware of the dangers of falling into a ‘yield trap’. After several years of actively managing a portfolio of investments, I have become better versed with looking beyond the initial headline yield of an investment and learning to assess the […]
International Women’s Day on the 8th March was an opportunity to raise the profile of women’s issues and celebrate the contribution they make to society. Since a fairly young age, I’ve been interested in personal finance; in a recent survey, I rated my financial knowledge as 8 out of 10, indicating a high level of
Earlier this month, I was talking to a friend about financial literacy and they were telling me that they felt ignorant of so much of what was available to them regarding their finances. They’d set themselves some basic goals – they want enough money to be able to provide a good education for their (as
A reader recently wrote in asking whether I use stop losses during trading. For those readers that aren’t aware of what a stop loss is, it essentially consists of an order to your broker to sell a listed share if it reaches a certain price (usually only in the event of a fall in price
Reader Question: Do I use stop losses in trading? Read More »
One of the biggest challenges that small businesses face is getting in front of their customers. Last week, I was chatting to a contact who was interested in my public speaking experience and wanted to know how I’d made a success of it. The truth is that it was entirely word of mouth contacts! Despite
Earlier this week, I was talking to a gentleman about letting out property, when I was presented with a barrage of vitriol about how “landlords are all parasitic leeches on society”. He proceeded to reel off a whole stream of examples of how he’d been slighted as a tenant (many of which I could relate
Earlier this year, a friend wrote to me asking for my opinion on Bitcoin. Despite having some meteoric rises in price in 2017, I have been – and still am – firmly against putting money into bitcoin, or any other ICO. Early 2018 has already seen a massive market correction in the price of the
Hello and welcome back to The Ethical Entrepreneur! I hope you’ve all had a good Christmas break and are well-rested for the start of 2018. This Christmas was another great one for me and my family – a lot of travelling (as usual), but thanks to the construction industry closing down over Christmas I had
In a previous article, I wrote about the importance of financial literacy – the idea that we can all invest in our understanding our finances. Pick up the average piece of investment literature however and you’ll be bombarded with complicated language, complicated graphics and a probably a general feeling that you can’t quite follow what’s
In numerous previous posts, I’ve written about my preference for income-generating investments, but I’m aware that not everyone has the time (or interest) to actively manage their portfolio. Earlier this month, I was approached by a London-based wealth manager who was pitching for my business. They offered to conduct an initial review (with recommendations) for
Effective planning is the key to making the best use of your time and juggling multiple priorities. In this article, I share tips on effective planning.
There are many shocking statistics that highlight the seriousness of the financial illiteracy crisis in the UK. Recent reports produced about our country’s financial literacy highlight that only 38% of people understand inflation, more than 30% of people fail to carefully consider purchases, and that the average pension pot in the UK stands at less
In an article I wrote earlier this month, I examined portfolio construction and some of the different assets I use to create a diversified stream of income. In today’s article, I’m looking at high yield bonds (sometimes called junk bonds), which are an asset class I use to boost the yield of my portfolio above
Passive investing, usually entailing the purchase of low-cost index trackers and Exchange Traded Funds, has seen a massive boom in popularity since the financial crash. Numerous financial wizards, including Warren Buffet and John Bogle, have advocated for passive investing, arguing that it’s far more suitable for the majority of investors than active share trading. The
Small cap is a term used to identify company stocks with a relatively low market capitalisation, or the tradeable value of its outstanding shares. The definition of small cap varies among investors, but it is generally considered to be a company with a market capitalisation of less than $2 billion. To calculate a company’s market capitalisation, multiply its
