Blog – Perpetual Prudence

Financial Utopia Without Financial Advisers

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

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

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

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

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

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

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

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

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

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