Plain English on doing it yourself.

No jargon, no hype, no one taking a cut. Real numbers and real comparisons on managing your own money.

Three-quarters of UK ISA money sits in cash, earning less than inflation. Safe is just another word for slowly losing money.

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If you have an adviser

Expensive reassurance, year after year — while you're quietly being milked. Here's why you can do it yourself.

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All articles

The approach

The whole method in one piece — three things you can do with your money, and the order to do them in.

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Getting started

Buying at all-time highs has beaten buying on an average day — 81% against 75%. The record high isn't the risk. The waiting is.

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Holding your nerve

Miss the ten best days and $70,000 becomes $35,000. Wars happen. Markets recover. Doing nothing is the skill.

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The maths

How a modest pot grows into something serious if you leave it alone for long enough. Time does the heavy lifting.

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The maths

A 1% fee sounds like nothing. Over a lifetime it can quietly cost you tens of thousands. The small number that does enormous damage.

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Cash savers

£400bn sitting in cash. 4.5 million adults with £10k+ and nothing invested. We thought we were being careful. We were just being scared.

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Level 2 · Walk

You think you own 500 companies. You mostly own about ten. The equal-weight switch and the small-cap slice, explained.

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Level 3 · Run

A past position, start to finish — what I saw, why I bought, and what happened next. The kind of thing Level 3 is about.

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Tax & wrappers

A pension isn't a product. It's a wrapper. ISA versus SIPP, and the tax relief most people leave on the table.

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