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Long-term

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Investment Environment 

AI Will Fix Everything

08/01/202321/01/2023 Haydn Martin 0 Comments AI, Complexity, Long-term, Machine Learning, Robo-advisers, Statistical Inference, The Future

The hype around AI may have left you wondering if this magical technology will solve retail investing so you don’t have to worry about it. Well…

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Investment Environment 

Investing Is Over-rated

04/11/202204/01/2023 Haydn Martin 0 Comments Active Investing, Bonds, Cryptocurrency, Deduction, Diversification, Happiness, Induction, Inflation, Investing Problems, Long-term, Paranoid Optimist, Passive Investing, Property, Return, Shares, Statistical Inference

Investing is hard – most people know about the basic reasons for this. But they don’t know about the second-level problems that we discuss here.

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Investment Vehicles 

Ladder Investing

08/09/202225/10/2022 Haydn Martin 0 Comments Average, Bonds, Buy-and-Hold, Distribution, Government Bonds, History, Life-Cycle Funds, Long-term, Pensions, Return, Shares

What’s the best way to invest inside of a fixed, long-term vehicle? I compare Buy-And-Hold, Life-cycle Funds, and a new approach that I call Ladder Investing.

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Personal Finance 

Why Rich People Are Broke

05/08/202205/08/2022 Haydn Martin 0 Comments Consumption, Lifestyle, Long-term, Principles

A significant proportion of high earners are living paycheck-to-paycheck. Why? In this post we explore some of the reasons for this strange phenomenon.

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Investment Philosophy Personal Finance 

Don’t Think About Personal Finance in Isolation

24/07/202224/07/2022 Haydn Martin 0 Comments Big picture, Hedge, Long-term, Portfolio Construction, Return

Personal finance is complex. This means that reductionism is dangerous – don’t think of personal finance components in isolation in time or space.

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Investment Psychology Investment Vehicles 

Why Passive Investing Generates Alpha

04/07/202204/07/2022 Haydn Martin 0 Comments Alpha, Average, Bubbles, CAPM, FOMO, Institutional Investors, Investment Horizon, Long-term, Passive Investing, Retail Investors, Return

Under traditional definitions, passive investors cannot generate alpha by definition. But under a new, more-relevant definition, they can.

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Personal Finance 

Financial Utopia Without Financial Advisers

10/06/202204/07/2022 Haydn Martin 0 Comments Financial Advice, Financial Advisers, FOMO, Long-term, Principles, Return

In an ideal world, everyone would have a financial adviser. But in reality, that’s not possible. The good news is that most people don’t need one.

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Crypto 

Is Crypto Here to Stay?

29/03/202204/07/2022 Haydn Martin 0 Comments Bubbles, Derivatives, Financial Engineering, History, Innovation, Long-term, Speculation

Is crypto just speculation? Or is it a type of financial engineering? Or even real, lasting, impactful technological innovation?

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Investment Environment 

A Portfolio That Always Wins

30/01/202204/07/2022 Haydn Martin 0 Comments Average, Diversification, Financial Planning, Long-term, Non-Financial Factors, Return

What if you could construct a portfolio that had only a 5% chance of decreasing in value in a given year. What might this look like?

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Investment Psychology 

The News Is a Waste of Time

06/01/202204/07/2022 Haydn Martin 0 Comments Long-term, Principles, Return

Reading the news is a waste of time. It costs you time and leads to worse performance. Stop it.

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