Let’s cut through the cr@p – Betterment’s Three New Portfolio Options

You know what annoys and frustrates me? Lack of transparency, and lack of value-add from money managers. A case in point is Continue reading Let’s cut through the cr@p – Betterment’s Three New Portfolio Options

6 Unbelievable Reasons Why Listicles Won’t Make You Financially Independent

If you are on the road to financial independence then you need to read fewer listicles. They are not going to help you get there. Why? Let’s dive in. Continue reading 6 Unbelievable Reasons Why Listicles Won’t Make You Financially Independent

Actuaries versus Financial Independence Smackdown!

Do you know what is driving me crazy at the moment? It’s trying to figure out why common FI thinking is so different to the retirement establishment. By “establishment”, I mean the institutional investment industry and the actuarial profession that advises on all aspect of retirement risk. I’m interested in why this thinking is so different; is one way of thinking better than the other, is one group simply wrong? Continue reading Actuaries versus Financial Independence Smackdown!

Have Actuaries Abandoned FI?

It took me years to qualify as an actuary. That’s not as dramatic as it sounds, since it takes everyone years to qualify; the median is around seven years. But I decided that studying actuarial exams whilst starting as a fresh-faced actuarial analyst in a new career was not sufficiently challenging and also chose to combine it with a new family. Continue reading Have Actuaries Abandoned FI?

How to Build a Kickass FI Spreadsheet (Part 1)

On your path to financial independence (FI) do you wanna think like an actuary? Wanna learn some of the secret actuarial skills they only teach you at actuary school? Yeah I know, what do actuaries think? Hard stuff I guess. But I’m getting off the point. Continue reading How to Build a Kickass FI Spreadsheet (Part 1)