Smarter Investing: Simpler Decisions for Better Results (Financial Times Series)

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So take the time to think about who you are and what you’re trying to achieve. If you don’t know yet, then the Markowitz portfolio is a great place to start.

Smarter Investing by Tim Hale | Waterstones

It largely stems from over-estimating the annual amount we needed to live on; and not fully appreciating the intent of sub-diving this into ‘essential’ and ‘discretionary’ spend.It sounds wonderful but the downside is you need a very large portfolio to generate enough income, even if you choose high-yielding dividend funds – as we’ve done for this load-out.

Smarter Investing (Financial Times): Hale, Tim: 8601404489112 Smarter Investing (Financial Times): Hale, Tim: 8601404489112

The 2013 Nobel Prize for Economics went to three people - Eugene F. Fama, Robert J. Shiller and Lars Peter Hansen. Rather than the more general risk scenario where people have to draw a reduced DB earlier because they’ve run out of “bridge” before DB commencement age?For a variety of reasons I then decided to take my DB early once it provided enough to cover, at least, the ‘essentials’ . Which means I have ended up with even more floor assets in the Pot outside the DB scheme. With 2022 bond crash now re-evaluating position, and considering whether or not to allocate a slug out of shares and into bonds. Smarter Investing introduces you to a simple and powerful set of rules for successful investing, helping you to build an investment portfolio that suits your needs, stays the course when markets get rough and quietly gets on with the job of generating better results.

Smarter Investing By Tim Hale | Used | 9780273722076 | World Smarter Investing By Tim Hale | Used | 9780273722076 | World

Instead of dwelling on yesterday’s winners, this selection of model investment portfolios enables you to answer the question: “what does a rational, diversified asset allocation look like?” This portfolio is adapted from the British wealth manager’s excellent UK-focussed investment book, Smarter Investing.

This also means I somewhat over-estimated what I needed to have [by way of Flooring] in the Pot outside the DB scheme. Overall, this is another wealth-preservation portfolio, but only if you can see past the individual performances of its components.