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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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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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Personal Finance 

Pensions: How We Got Here and Where We’re Going

25/11/202125/11/2021 Haydn Martin Future, History, Pensions, SIPP

Pensions used to be easy. One would work for the same company for 40 years and collect payments from a

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Investment Philosophy Personal Finance 

What’s the Point of Investing?

30/08/202130/08/2021 Haydn Martin Consumption, Inter-temporal, Interest Rates

Why do we do the things we do? What’s the point? What’s the purpose? There are many ways to go

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Investment Psychology Personal Finance 

Non-Financial Factors

29/07/202129/07/2021 Haydn Martin Average, Books, Decisions, Ergodicity, Goals, Non-Financial Factors, Timing

We’ve talked a lot about stuff that happens inside your portfolio. But what about stuff that happens outside of it?

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Personal Finance 

The Best Way to Approach Personal Finance

09/05/202117/06/2021 Haydn Martin Bottom-up, FOMO, Goals, Personal Finance, Top-down, Uncertainty

There are fundamentally two ways to approach personal finance: bottom-up or top-down.  Implementing a top-down approach means placing an emphasis

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Investment Environment Personal Finance 

What Are Retail Investors Buying?

04/05/202117/06/2021 Haydn Martin Active Investing, Assets, Passive Investing, Pensions, Platforms, Real Estate, Responsible Investing, Saving

In finance, there’s a lot of noise. This stock is up, that stock is down, this asset is crashing, that

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Investment Environment Personal Finance 

Investing Is Hard but That Can’t Stop You

24/04/202102/05/2022 Haydn Martin History, Investing Problems, Investment Platform

The last 50 years or so has seen a consistent increase in the volume and quality of options available to

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Personal Finance 

Is It More Important to Save or Grow?

21/02/202124/05/2022 Haydn Martin Long-term, Return, Saving, Terminal Values

Everyone is obsessed with return. We’ve all seen the compounding charts that show your bank balance magically growing exponentially due

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