Plain English Finance

AT TIMES LIKE THESE We are re-sharing @andyroocraig 2020 article as an antidote to the awful news of late. He argues it pays to be bullish and this acts as an asymmetric bet: if the world improves, you benefit. If it doesn't, you're better off anyway. plainenglishfinance.co.uk/opinion/the-wo…

Britain knows how to grow, but do we have the nerve to do it? 🇬🇧 Eve Lugg warns that high taxes and red tape are stifling UK dynamism. To build wealth, we need a system that rewards effort, not hampers it. Read more in the full @CapX piece: capx.co/britain-knows-…

The tax year resets on 6 April. 🗓️ Frozen thresholds mean inflation is pulling more people into higher tax bands. With dividend tax hikes and VCT relief cuts also arriving, it’s time to review your efficiency and make use of ISA and SIPP allowances moneyweek.com/personal-finan…

As @jamespriceglos argues, price caps destroy the signals about underlying market fundamentals and the best way to repair a damaged market is for Government to step aside and get out of the way Link: capx.co/the-government…

Gold. It's a geopolitical hedge. A good asset for bad times. You know, the sort of portfolio diversifier you might expect to hold up reasonably well during times of war. So why has it tanked? bloomberg.com/news/newslette…

In this piece for @citywire, @simonevancook explores why fund bosses mess up. He highlights four irrational C-suite errors: chasing late product fads, relying on single blockbuster funds, "quitter bias", and an obsession with scale. Link: citywire.com/funds-insider/…

Consistency is the most reliable tool for building wealth. Whether you maximise your ISA or start small, the goal is the same. As @andyroocraig often notes, a long-term habit combined with compound interest is what makes the difference. Full piece: ajbell.co.uk/news/how-make-…

Pessimism and negative press bias stop millions from investing and becoming wealthy. @andyroocraig explains the three cognitive biases behind this and why understanding them can improve your returns and your mood. youtube.com/watch?v=RPAOAS… #Investing #WealthCreation

250 years ago today, Adam Smith published The Wealth of Nations. @M_W_Palmer writes for @CapX that Smith’s rules for simple taxes and his defence of the consumer over the lobbyist are the exact remedies we need for today’s economic stagnation. Full piece: capx.co/why-everyone-s…

Pessimists sound smart, but optimists make money. @andyroocraig explains why human progress is the ultimate investment theme, even with volatility in the Middle East. Don't let negative bias lock you out of the long-term gains that build real wealth. youtu.be/-epx3vfBzsw

Trouble in the Straits of Hormuz? @andyroocraig explains why the best move for your portfolio is often to ignore the news. Reacting to headlines leads to the "buy high, sell low" trap. A key focus should be on time in the market, not timing the market youtube.com/watch?v=wJ4uRZ…

Western prosperity is being throttled by corporate welfare and "green grifters." Pierre Poilievre’s Lecture calls for a CANZUK (UK-Canada-Australia-NZ) pact to restore free trade, cut red tape, and reward work instead of lobbyists. Full speech: capx.co/free-trade-amo…

Optimism as a longevity strategy? New PNAS research shows the most optimistic people live 11-15% longer, with 70% higher odds of reaching age 85. Positivity acts as a biological buffer for your health. Full study: pnas.org/doi/10.1073/pn…

Not all news is bad news! @andyroocraig shares the latest annual list from Fix The News, highlighting a year of global progress. To fund these "exponential solutions," we must stop the vilification of wealth creation and support our capital markets. fixthenews.com/p/99-stories-o…

UK graduates are £1,600 deeper in debt every year. With 140 applicants per job, 150-year highs in housing costs, and energy bills 81% above France, the university dream may be failing. Full story in @CapX by @pursuitofprog: capx.co/who-will-save-…

This @MoneyWeek article frames Clarkson’s Farm as a political parable. It shows how meddling bureaucrats and constant regulations prove the Govt is failing to facilitate and encourage those "doing a thing", getting the balance dangerously wrong. moneyweek.com/people/politic…

In our latest Youtube video @andyroocraig explains why physical demand for GPUs, space tech, and solar is driving gold and silver higher. Andy also argues that volatility is an opportunity to build a position at a solid average price over time. youtu.be/gzbUiEyw_Jg

In his latest podcast interview with Tim Price on the 'State of The Markets' show, @andyroocraig discusses the "dark side" of indexing, the urgent need for UK financial literacy, and why Biotech remains a massive, undervalued opportunity. Youtube: youtube.com/watch?v=Fa6fTc…

Is @andyroocraig a "crypto bear"? ❌ Andy's position is about nuance. He wants to see people build wealth without "blowing up" their portfolios. He also highlights the $3tn opportunity cost: imagine that capital in UK biotech instead. Watch our video: youtube.com/watch?v=HpQVhl…

Is more tax the answer? John Redwood argues for @CapX that the UK's issue is a drop in public sector productivity. If efficiency simply returned to 2019 levels, the "black hole" would vanish. Better management is the key, not more taxes. 📈 Full story: capx.co/higher-taxes-w…