I was debating SGLN and RMAP. In the end I went with SGLN because of the lower costs 0.12% vs 0.25%.
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They want your dollars.
Another great compilation here, particularly the podcasts on value investing and where to hold cash for higher returns:
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Hardly especially compared to EU and US. Main drivers in poor productivity, healthcare and energy policy + Brexit aren’t letting up anytime soon so I can’t see much progress being made without a colossal recession.
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Those Y scales need to be the same to visualise the true extent of the mess in the UK
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After 2016 - 2020 the true extent of the UK’s issues are quite literally 50 years of tough change. If you were to look inside the finances of Britain’s top 5% you’ll surely see gold purchases throughout 2017/18/19/20 and then the smartest of the top 5% buying gold throughout 2022/23.
The UK is screwed in terms of equality & lifestyle for the many going forward as far as the eyes can imagine. At least 50 years.
You actually still hear people today saying ‘oh it’ll be alright in a while’ or ‘it’ll sort itself out’…
Have you seen how the British public drive on a 4-lane smart motorway? THATS THE STANDARD OF IT ‘SORTING ITSELF OUT.’
It would take a colossal effort of advanced education both on & off the job to an incredible amount of people in Britain and for the leaders and entrepreneurs to dedicate immense amounts of their lives to bringing about the standard of business & talent required to turn the UK into an absolute powerhouse of productivity and lifestyle equality.
You are physically talking 30-50 years of efforts.
You’d need the roads to work and people to spend a maximum of 30 minutes to get to work instead of that wasted productivity commute time of 2-3 hours traffic each day.
You would need intentional people knowing exactly the direction of talented work practices and to absolutely push forward whatever skill they have into the stratosphere.
You would need the British public to place personal finance aside for a decade or so and focus almost solely on talent and achieving physical business success, productivity success.
Not this talking BS. So many people just talking as their job. It’s actually immense how many millions of people are just waking up and talking. Like really, it’s so unproductive.
Drain government, drain the public sector leeches, teach better skills to school age children and create enough actual solid opportunities for these teens so they do not leave school then waste 5 years in their bedrooms writing cover letters to cv library job positions.
The UK has entered a TOUGH decade or two.
You can’t produce anything positive sitting in 1-3 hours traffic each day. Wasted time. Government need to fix this by next year. You simply can not continue in the UK like this.
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Im away to fill my bunker with tinned pilchards.
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Party at Bob1’s
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Brexit was supposed to see Britain as the next Singapore. I wonder how that’s working out 
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Fresh batch of podcasts, videos and reads:
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Anyone else hearing that hundreds (or a few thousand) British people are trying to sue their mortgage advisor because when they took out their mortgage in 2020, 2021 at the lowest interest rate in history and only fixed for 2 years.
Omg.
How could you not make a decision for yourself having taking one look at the previous 12-13 years of the lowest interest rates. Surely your brain would realise rates will be entering a rising period sooner rather than later.
I think some papers are picking up on this.
At 1.5% mortgage rates or anything under 2.5% you’d fix for 10-max years. What did they think with their 1.80% rate, ‘better not fix it could go to 1.50%’…
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In hindsight it was just free money. But I remember at the time there was speculation that rates could go negative, as they did for some bonds and current accounts in Europe.
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I think people just generally aren’t informed enough to understand that. And they don’t look at the past financial history. As easy as that. Financial literacy is appalling here and in most other countries. 
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I don’t think it’s a case of financial literacy here - very easy to comment in hindsight! Nobody could guess when interest rates were going to go up by so much, so suddenly.
Everything looks rosy, until it isn’t.
Those people made the choice to go on a 2-year fix and now want to blame mortgage advisors for their decision not to go on a 5-year fix, or longer.
It’s a blame game but they can hardly sue Liz/Kwasi, even though their brief spell ‘running the country’ was arguably the main cause of massive interest rate hikes.
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Keep calm and just eat turnips.
All depends on if they advised the interest rate risk.
If yes: bad risk management.
If no: sue away