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Author: Haydn Martin

Personal Finance 

Financial Utopia Without Financial Advisers

10/06/202210/06/2022 Haydn Martin Financial Advice, Financial Advisers, FOMO, Long-term, Principles, Return

In one version of Financial Utopia, financial advice is a public good. Advice is free. And it works. No one

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Investment Vehicles 

I Solved the Passive Investing Debate

16/05/202212/06/2022 Haydn Martin Active Investing, Non-Financial Factors, Passive Investing, Return

Passive is one of the most polarising strategies in modern investing. In retail, the battle is over. Done. Finito. Passive

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Personal Finance 

Putting Out a FIRE Part II: The Happiness Problem

24/04/202224/04/2022 Haydn Martin FIRE, Happiness, Life

We have already seen how FIRE is mathematically flawed. The “4% Rule” and other such heuristics used to build up

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Personal Finance 

Putting Out a FIRE Part I: The Numbers Don’t Add Up

11/04/202211/04/2022 Haydn Martin Average, Distribution, Expectation, FIRE, Return, Wealth

Noah doesn’t enjoy life. Not at the moment, anyway. And he doesn’t anticipate much enjoyment in any of the next

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Investment Philosophy 

Why I’m Against Optimisation

03/04/202203/04/2022 Haydn Martin Portfolio Construction, Principles, Return, Statistical Inference

Whenever I’m browsing investing and personal finance content I see a word that makes me sick: “Optimisation” We are told

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Crypto 

Is Crypto Here to Stay?

29/03/202229/03/2022 Haydn Martin Bubbles, Derivatives, Financial Engineering, History, Innovation, Long-term, Speculation

I used to think crypto was just a meme. Just a fad. Just a phase. But then something changed. I

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Probability and Statistics 

This Stat Pisses Me Off

19/03/202219/03/2022 Haydn Martin History, Induction, Return, Shares, Statistical Inference

There is one investing statistic that I see more than any other. I’ll be innocently browsing twitter or in the

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Investment Environment 

A Portfolio That Always Wins

30/01/202230/01/2022 Haydn Martin Average, Diversification, Financial Planning, Long-term, Non-Financial Factors, Return

In the real world, things happen both inside and outside of your portfolio that “force” you to sell. One major

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Investment Environment 

Now It’s All About You

18/01/202218/01/2022 Haydn Martin History

One of the major themes of retail investing in the last 50 years or so has been a transfer of

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Investment Psychology 

The News Is a Waste of Time

06/01/202206/01/2022 Haydn Martin Long-term, Principles, Return

You wake up, roll over and grab your phone. You check it. You look at notifications, messages, social media, etc.

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  • The Principles of Perpetual Prudence
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Topics

  • Bonds (1)
  • Crypto (1)
  • Investment Environment (7)
  • Investment History (1)
  • Investment Philosophy (10)
  • Investment Psychology (4)
  • Investment Vehicles (9)
  • Personal Finance (11)
  • Probability and Statistics (10)
  • Risk (4)
  • Stocks (4)
  • The Fundamentals (7)

Discussion

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No writer on perpetualprudence.com is a registered or regulated financial adviser, lawyer, or accountant. We are not regulated by the Financial Conduct Authority. All information contained within this website is informational only and is not financial/investment advice or recommendations.

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