Tag: investing
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Retirement Planning for Boomers
(Updated 26/06/2025 to include guidance on 4% rule) (Update 03/08/2026 to improve the distinction between expenses and capital costs) The one thing that every young person knows about boomers is that we are all rich. Obviously we are not all rich but what is true is that there are a lot of middle class people…
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A simple investment strategy – your age in bonds
After many years of investing my pennies and trying to beat the market I realised that it was all a waste of time. The evidence is that almost zero fund managers achieve above average returns. Therefore the best approach is to simply buy index funds that follow market performance and to choose funds with very low…
Dr James Bayley 