The number of âISA millionairesâ is on the rise, according to Hargreaves Lansdownâs platform data, which revealed where these investors are putting their money.
2 Likes
A huge crash when you have a large pot and are a net withdrawer is more harmful than when you have a small pot and youâre a net contributer.
No âpoopâ Sherlock!
I see IG group is the 4th most popular stock for ISA millionaire portfolios. Prehaps we should have all invested in them instead of Freetrade 
3 Likes
doesnât take an expert to tell you that does it!
Interesting, but an income-focused investment isnât as heavily impacted by a crash when the dividends will still be deposited into your account. A crash changes the value of your investment, but not the number of shares you hold.
1 Like
Good evening 
-
As usual, we selected the best articles published in the past few days 
:
PORTFOLIO CONSTRUCTION
Asset Allocation: US vs non-US Stocks by Goldman Sachs
Markets: Explaining International Valuations
Portfolios: Best Version of the Three-Fund Portfolio
Bonds: Are Bonds Hedges or Risky Opportunities?
S&P 500: The Pyramid of S&P 500 Returns (1874-2024)
ETFs & PLATFORMS
VWCE & Chill: Investors Are Cooling Off on Vanguard. Should You Invest?
Index Rebalancing: Do Index Funds Incur Adverse Selection Costs?
Index Funds: What Makes a Good One?
From Bogleheads to Gearheads: ETFs Rapidly Increasing in Complexity
ACTIVE INVESTING
Wall Street: A Crazy Story Of A Citigroup Trader
Skin in the Game: How do fund managers invest their own money?
Bitcoin to Zero: Why Eugene Fama Thinks Bitcoin Is Going to Zero
Portable Alpha: How it developed and why multi-strategy is the future
Why Do Portfolio Managers Care About Factors? Not What You Think.
WEALTH & LIFESTYLE
Living Off Your Portfolio: The Lifecycle Model Vs SWR
Couple Money: Is this marriage for love? âI always recommend a prenup.â
Retirement: How Retirees Can Determine a Safe Withdrawal Rate in 2025
Pensions: Countries With the Most Pension Wealth in 2025
Financial Advice: Getting Value Out Of ChatGPT As A Financial Advisor
TECH & ECONOMY
US Tarriffs Impact: Deutsche Bank Tariffs primer
DeepSeek: DeepSeek Proves AI Comes for All Jobs - Even AI Jobs
Climate: The utterly plausible case makes London much colder
AND ALSO
Sakura: Japan Sakura Forecast
Family: A Freedom-Maximizing Approach to Parenting
Health: 35 Simple Health Tips Experts Swear By
And so much more!
Have a great week-end!
Francesca from BoW Team 
3 Likes
Party like itâs 1999 and 2008.
1 Like
De-bureaucratisation plan and expenses reduction through DOGE, possible debt reduction, and tax cuts to boost local industry. And now a sovereign wealth fund. Am I the only one who thinks Trump will make the US even stronger?
Good evening -
As usual, we selected the best articles published in the past few days :
PORTFOLIO CONSTRUCTION
Asset Allocation: How to Choose The Right One For You
Market Downturns: How Often Are We in a Recession or Bear Market?
Historical Perspective: Are Bonds attractive today?
Fundamentals: When Stock Market Returns Deviate from Real Earnings
Investing in 10 Steps: Come Along For A Hike With Francesca
ETFs & PLATFORMS
Dimensional UCITS ETFs: Dimensional plots European ETF entry
Bitcoin ETP: BlackRock to List a Bitcoin ETP in Europe
BoW Guide To UK Tier 1 Brokers: Which One Is The Best For You?
Liquid Alternatives: The ânext evolutionâ of Europeâs ETF offering?
Leveraged ETFs: Understanding the âRebalance Dragâ Myth
MSCI, FTSE, or Solactive: Which Index Should Your Equity ETF Track?
ACTIVE INVESTING
Factors: Factor exposures vary by region across time
Convexity: The Trend Following Game Changer
PE: Vanguard private equity market guide
Bill Gross: Lessons from my investing career
Inside the Minds of Historyâs Best Traders: Market Wizards
WEALTH & LIFESTYLE
Broker Reviews: Updated Banker on Wheels Methodology
SWR: When Safe Withdrawal Rates Collide With RMDs
Home Sweet Home: How Much Do Employees Value Remote Work?
Careers: Europeâs Most In-Demand Jobs
Personal Development: Why Reading Nassim Taleb Is Life-Altering
TECH & ECONOMY
EU: Why Spainâs Economy is Outperforming the Rest of Europe
Economy: Can do Tariffs Actually Work?
AND ALSO
Fake Academic Papers: Are contaminating the worldâs scientific literature
Sakura on Wheels: 7 Reasons Why Japan Is Your Next Adventure
Health: How midlife became a crisis
And so much more!
Have a great week-end!
Francesca from BoW Team
3 Likes
Good evening -
As usual, we selected the best articles published in the past few days :
Guide to Markets: JP Morgan Guide to the Markets (PDF)
Model Portfolios: How Model Portfolios Are Evolving
Safest Investments: What is the safest investment asset?
Rebalancing: The Unintended Consequences of Rebalancing
Downturns: How to navigate market turbulence
ETFs & PLATFORMS
ex-USA ETF: iShares launches MSCI World ex-USA UCITS ETF
Target-Date ETFs: Amundiâs new ready-made portfolio ETFs
UCITS vs U.S. ETFs: Pros and Cons for Non-US Investors
UKâs Bank Brokers: Which One Is The Best For You?
ETF Exchanges: Euronext considers exchange consolidation
Return Stacking: How do Margins work
ACTIVE INVESTING
Gold: Should You Invest In Gold In 2025?
Digital Assets: Is it âtoo lateâ to enter digital assets?
Private Credit: Is There A Bubble?
Hedge Funds: Pocketing Clientsâ Gains With âNo Limitâ Fees
Vanguard: How Vanguard plans to play disruptor again
WEALTH & LIFESTYLE
4% Rule: Reflections on the Folly of Fixed Rate Withdrawals
Your Kids & Money: Timeless Wisdom From Warren Buffett
Financial Advice: Young Advisors Have a lot of Questions
Living without money: âI feel more secure than when I was earningâ
Wealth: Most miserable people I know are richest people in America
TECH & ECONOMY
Europe: Its Population May Fall by 150 Million People by 2100
Asia: A $40 Trillion Economy
AI: Yann LeCun does not believe in the future of generative AI
Economy: The Top 10 Global Risks That Will Define the Future
Who owns London? The capitalâs property power players
AND ALSO
Across New Zealand: Running in the Roar of the Wind
Work, Play, and Surf: 5 Beach Getaways for Digital Nomads
Aging: Why do some of us age faster than others?
And so much more!
Have a great week-end!
Francesca from BoW Team
1 Like
Yes it seems they are on the platform, just not announced yet. I might see if I can buy some with 6% divi on Monday.
Although a ÂŁ1 gilt is selling for ÂŁ1.07 so your 6% is lost in first year making the real gain not so great. Be nice to get if offered for less than ÂŁ1
With Trump in talks with Russia and Ukraine if the conflict stops will the lse put the removed stocks back on ???..
1 Like
Like most, be nice if Evraz gets unsuspended! Have over 4k shares sat doing nothing.
Obviously this pales in comparison to the humanitarian relief of the war finally ending.
Good evening -
As usual, we selected the best articles published in the past few days :
PORTFOLIO CONSTRUCTION
Currencies: How to make the most of currencies in a portfolio context
Asset Allocation: How to Choose One
Markets: Ytd equity returns
Strategy: 10 Stock and Bond Market Insights That Are Hardly âDullâ
ETFs
Avoiding the Value Trap: A Review of Avantis Global Small Cap Value UCITS ETF
Securities Lending: How It benefits ETF investors and ETF firms.
BlackRock: $1trn European ETP assets
ETF: Industry Perspectives Q1 2025
Buffer Funds: On the Rise, but They May Not Make Sense for Most
ACTIVE INVESTING
Factor: Does Trend-Following Still Work on Stocks?
Value Investing: Integrating Theory and Practice
Alternatives: 2025 Outlook
Commodities: Three Reasons to Carefully Consider Them
Us Gold: Wall Street Talk of Revaluing It Is Drawing Attention â and Scepticism
The games and strategy of rich people: What I learnt at Citibank
PLATFORMS
Consorsbank Review: Full-Service German Broker Backed by BNP Paribas
DKB Review: Fairly Cheap State-Owned Broker
Finanzen Zero Review: Looking for a Hero? Hereâs one closer to Zero.
WEALTH & LIFESTYLE
"Fuck You Moneyâ: Useless Without the âFuck Youâ
Retirement: How to retire and not run out of money
The Scarcity Trap: How to Shift to a Prosperity Mindset in Retirement with Leisa Peterson
Office attendance: a performance metric
Career: Can Work Make You Happy? Should It?
TECH & ECONOMY
Women and Finance: How Embracing Risk Can Unlock Greater Success
Japanâs Bubble-Burst: Why Sweden Recovered and Japan Didnât
Metaâs head of AI: Yann LeCun does not believe in the future of generative AI
My Favorite AI Research Tools
AND ALSO
Personal Development: 5 Ideas That Changed My Life
I grew up in Italy and have studied longevity for 36 years: 2 ways to eat for good health and a long life
Coding: New Junior Developers Canât Actually Code
And so much more!
Have a great week-end!
Francesca from BoW Team
3 Likes
Good evening -
As usual, we selected the best articles published in the past few days :
PORTFOLIO CONSTRUCTION
60/40 Portfolio Across Countries: A CFA Institute Report (50-page PDF)
Asset Allocation: How Should It Change With Age?
Real Assets: Did They Provide an Inflation Hedge When Needed?
Currency Risk: Impact of Currencies and Hedging
Buying the S&P 500? Wait. These Graphs Will Change Your Mind.
ETFs
ETF Costs â Definitive Guide to Slashing ETF Costs and Taxes
Hidden Costs of Indexing â Turnover & cost analysis
PLATFORMS
Comdirect Review: A Direct Way to Slow Down Compounding
ING DiBa Review: A solid choice for passive investors
Smartbroker Review: Decent Broker For Beginners
ACTIVE INVESTING
Factors: A New Quant Paradigm in Equities
Berkshire Hathaway: The Annual Letter
Hedge Funds: An introduction to HF Strategies
Gold: This Is Why People Are So in Love With It
Alternatives: What is the Future of Alternative Investing?
WEALTH & LIFESTYLE
Retirement: The 5 Pillars That Nobody Talks About
Wealth: Proportion of Millionaires by country
Careers: Obsessive Goal-Setting Can Backfire
Advice: Is The Future of Financial Advice Online?
TECH & ECONOMY
The First Financial Crash: The South Sea Bubble
Cryptography: A History From the Spartans to the FBI
Creativity & Happiness: A Neuroscientistâs View
AND ALSO
Airlines: I Was a Flight Attendant During the Golden Age of Travel
Personal Development: The Hidden Cost of Your To-Do List
Travel Tips: 50 Years of Travel Tips
And so much more!
Have a great week-end!
Francesca from BoW Team
3 Likes
Interesting article:
3 Likes
Good afternoon 
-
A bit later than usual, we selected the best articles published in the past few days 
:
PORTFOLIO CONSTRUCTION
Asset Allocation: UBS global investment returns yearbook 2025
Alternatives: Cambria on - Can we all invest like Yale?
90/10 Portfolio: A look at the 90/10 Warren Buffett Portfolio.
Dividends: a tax-inefficient way to return capital to shareholders.
Costly Mistakes: The Top 10 Ten Mistakes We All Make.
ETFs
JP Morgan Guide to ETFs: 2025 Edition.
World ex-US: ETFs To Reduce Your Allocation To U.S. Stocks.
Defense vs ESG: ESG doesnât outperform, weapons do.
Private Assets: A Groundbreaking New ETF Arrives
PLATFORMS
BOW Broker Guides: How To Choose A Cheap Stock Broker?
Firstrade Review: $500k protection but you need a good tax treaty
ACTIVE INVESTING
UK Small Caps: the âmost unlovedâ stocks in the world
Crypto: Trumpâs crypto reserve is absurd
Taxes: Crypto Taxation Around the World
Warren Buffett: Thoughts on Berkshireâs annual report
WEALTH & LIFESTYLE
Calculators: Why I Donât Use Retirement Calculators
Micro-retirement: has Gen Z found a brilliant fix for burnout?
Want To Quit Your Job? Truth About Career & Financial Independence
The Smartest Thing I Ever Did: Women on Life-Changing Decisions
Remote Work: The Decline by Industry
Layoffs: Getting Fired
TECH & ECONOMY
Goldman Sachs Report: Tech in 2025
Sovereign Debt Crisis: What we learned & what lies ahead
Sovereign Wealth Funds: The Largest in the World
China: Can China Avoid Japanâs Lost Decades?
Retirement Boom: The Global Retirement Boom Mapped
AND ALSO
Cycling: Lance Armstrongâs Cycling Safety Tips
Fertility: European Rates by Country
Travel: The Most Powerful Passports in 2025
And so much more!
Have a great week-end!
Francesca from BoW Team 
5 Likes