personal-finances

2016.10.10

Retirement Savings Series

This is Allan gray’s first attempt at email marketing. I wrote half of the content in an 11-part series (the even numbered articles) on saving […]
2017.10.23

Investing 101

Another email marketing campaign that did quite well. Not as well as the first, which probably set our expectations too high in our exploration of […]
2018.09.09

Thinking about your view of risk

A successful investment is when there is a match between the risk you expect or perceive and the actual risk of the fund. Calibrating your risk tolerance is a problem of psychology and the most difficult psychology to solve is often your own.
2016.12.01

What to do when (yes, when) you win the lotto

Many of us have romanced the idea of winning the lotto. The fantasies that follow are usually vivid and specific: luxury cars, extensive travelling and beachside property tend to feature prominently. The more ordinary lotto of a year-end bonus or thirteenth cheque is mentally spent way before we even get it, and often in very poor ways.
2015.09.14

Poor predictions and the bad choices that follow

The sun will rise (somewhere) tomorrow. The earth will spin on its axis for the foreseeable future, and time will keep going. These things we take for granted are all predictions; some of the few that we can rely on. Nothing guarantees them, but few doubt them. This confidence in the movement of celestial objects and nature’s faithful progress encourages us to believe in the power of prediction – even when the odds prove otherwise...
2014.03.18

Which NPO Should I Donate To?

So you have some disposable income and you want to give back. But there are thousands and thousands of causes and organisations that clamour for your attention. How do you choose the right one? And more importantly, how do you choose an organisation that makes a difference
2016.09.30

What is a money market fund?

An article that explains what a money market fund is. Seems simple, but actually a rather complicated asset class to explain simply.
2015.07.01

Dying at the end of the month

Imagine for a moment that your life began on 1 July and ended on the 31st – say, 80 years of a life shrunk down to 31 days. What would your savings ...
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