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There Is No Risk-Free Rate Of Return
In financial planning reference is often made to the "risk-free rate of return". To think that there is anything "risk-free" about financial planning (or life in general) is laughable in the extreme. None of us ever had, or would ever desire, a "risk-free" life. It...
Qualifications do not a good professional maketh…
About 10 years ago, on 7 May 2013, I was elected a Fellow of the Personal Finance Society. It was a proud moment, signifying as it did a level of commitment to passing exams that surprised many, myself included. Professional exams are good at weeding...
Musings 10/5
How about these? Don't say sorry, say thank you I think there is a very sound way to assess the health of any relationship – personal or otherwise. We all behave inappropriately from time to time, get lost in unhelpful thinking, become inconsiderate and it...
TCFP95: Many Ways To Succeed, Few To Fail
There are lots of route to investment success. TCFP has simply chosen one that makes sense to us and our clients. The key elements of it are that it is: Easily understood; As cheap as possible; As liquid as possible; As safe as possible. It also attempts to remove...
Better vs Noisier
To me it's a simple choice. But easily overlooked. Where should we focus our energies? On getting better at what we do? Or on making more noise about what we do? Getting better is better for everyone, noisier is just noisier - it doesn't serve anyone other than you....
Good reads 05/23
Three articles worth your attention: Morgan Housel - Mental Liquidity: Moving on with our thinking is how society progresses. Perhaps we're not doing it enough and allowing ourselves to be too convinced by our convictions? JPMorgan - The case for (always)...
Musings 26/4
Occurring to me recently... What is a fiver worth? We talk a lot about value. But what is a fiver, for example, really worth? Value is different things to different people. If you haven’t eaten for a week a fiver could be a lifesaver. When we disagree...
ICM: Notes from the 17 April meeting
The TCFP investment committee met yesterday to discuss the current economic, political and investment environment. As a result the TCFP Model Portfolio will remain unchanged. Here are brief notes of our discussion: Politics It is rather as you were, there is...
How to be better
"You can't get better if you don't think you need to get better" This is a quote from Coach Beam, an American football coach at a junior college in Oakland, California. It is the obvious first step in getting better. And it's applicable in all aspects of our lives....
Musings 12/4
Occurring to me recently... Thought is awareness come alive for our ego. And, "If you don’t change your beliefs, your life will be like this forever. Is that good news?" ~ W. Somerset Maugham Boring But Effective | Truthful, Helpful, Kind...
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