On the UK gilt side, he’s only able to come up with an intermediate Dimensional Fund Advisor’s index-linked fund i. Today we’ll start work on the book which seems to be the most popular with passive investors – Smarter Investing by Tim Hale.

Investment portfolio examples: asset allocation models for

If you live in the UK and are looking for a ‘How to manage your investments’ book then you can’t do better than Smarter Investingby Tim Hale. Having to release a new edition of a very well thought out book, that was already based on over 100 years of data, is proof of how extreme market conditions are. If you’re a fan of gold then you could swap it in for half or all of the portfolio’s broad commodities exposure. Tim Hale is recommend for anyone who needs conviction about passive investing although its a hard and technical in places i feel and could make you think – whats the point of most asset classes – including bonds (and now its seem more so property and commodities).I guess its unrealistic to expect the free trading platforms to offer us everything but I like InvestEngine’s portfolio features and am considering it for managing my GIA post TFLS crystallisation. Phil — For various reasons, we sometimes update and repost old articles rather than post new articles. Faced with this, Hale turns to heresy, suggesting investors throw in their lot with active managers who offer short-dated linker funds. Note: What The Accumulator has not mentioned in his Smarter Investing review is that the fourth edition also features an endorsement written by him. One thing you could do if you want to gain experience without losing money is setting up a virtual portfolio.

Smarter Investing: Simpler Decisions for Better [PDF] [EPUB] Smarter Investing: Simpler Decisions for Better

Also gradually trying to minimise the number of entities, so that whichever poor sod has to deal with this after I am gone can understand the plan. I’m 7-8 years away from FI but 95% equities so still carrying substantial risk, although my FI date isn’t a hard stop for RE. Having a young family restricts spending in many ways (childcare costs aside) and I also see my investments as a kind of spending (on freedom and security) so I’m happy for that to continue for a good while yet.It does not 'talk down' to the reader but offers an excellent and comprehensive overview of personal investment strategy. James Teasdale, Fund Strategy magazine "Delightfully clear thinking and direct advice on how investors can get better results with simpler decisions. Smarter Investing introduces you to a simple and powerful set of rules for successful investing, helping you to build an investment portfolio that suits your needs, stays the course when markets get rough and quietly gets on with the job of generating better results. It sounds wonderful but the downside is you need a very large portfolio to generate enough income, even if you choose high-yielding dividend funds – as we’ve done for this load-out. A solid slug in equities still offers some growth however, while the enlarged UK position reduces currency risk.