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Make It Stack episodes
- Make It Stack #25 - Money printing: is there a problem?
In this episode, I talk about "fiat" currencies and the problems that arise with money printing.
Key summary:
- History tells us that currencies face chronic debasement over the long term with the USD losing 95% of its purchasing power over the last 100 years.
- When you hear "Quantitative Easing", think "central bank money printing".
- Money printing causes: i) misallocations of capital ii) reduced affordability for consumers and iii) increased wealth inequality due to higher asset prices.
- Sound money has the following properties: scarce, portable, divisible, durable, fungible, acceptable, censorship resistant.
- Bitcoin could represent a better form of money with its algorithmic scarcity, portability and censorship resistance
- Call to action: watch "Whats the problem?" by Joe Bryan on Youtube.
Want to get in contact with me? Use the following channels:
Instagram: @_makeitstack TikTok: MakeItStack Website: https://makeitstack.co.uk Email: [email protected]
Disclaimer: All views are my own. This podcast is for educational purposes only and should not be construed as financial advice. If you are unsure of making any investment decision, please contact your financial adviser.
22 min - Make it Stack #24 - how to protect cash savings from inflation?
In this episode, I talk about how you can protect your cash savings from inflation.
Key summary:
- Inflation in the developed world has increased substantially due to a variety of factors including the war in Ukraine, supply chain issues, the expansion of the money supply and the global economy emerging from COVID-19.
- Inflation is an insidious force which reduce the value of cash over time if you aren't careful. The value of money has fallen by c15% since the beginning of 2020.
- Call to action: protect your cash from inflation by depositing it in an account with the highest possible risk free interest rate. Competitive interest rates for savings accounts are currently >4.8% p.a.
When depositing money in a savings account, please also consider:
- Is your money safe? i.e. FSCS protected.
- Is admin/monitoring simple? Active Savings is a good tool which I use.
- Deposit limits? Make sure you are eligible to receive the headline rate.
- Your liquidity profile? Use easy access accounts for your “rainy day” fund. Consider fixed term accounts if you want to try and lock in a “better rate for longer”.
Other useful links to competitive cash savings accounts:
- Money Saving Expert
- Money.co.uk
Want to get in contact with me? Use the following channels:
Instagram: @_makeitstack TikTok: MakeItStack Website: https://caytonanalytics.com/ Email: [email protected]
Disclaimer: This podcast is for educational purposes only and should not be construed as financial advice. If you are unsure of making any investment decision, please contact your financial advisor.
18 min - Make it Stack #23 My investment blunder with Beyond Meat!
In this episode, I talk about my investment blunder - which was buying Beyond Meat shares.
Key summary:
- In August 2020, I purchased £1000 worth of Beyond Meat Inc - a then trendy company in the plant-based meat industry which looked to be capitalising on the demographic shift in the Western World to a more environmental/ethical diet.
- Since investing, poor company management, industry headwinds and rising interest rates have caused the stock price to fall from $131/share (my entry point) to c.$8/share. I'm sitting on a paper loss of 93%.
- Whilst this has been a bitter pill to swallow, I have taken three stock picking lessons from this:
- Beware of confirmation bias
- Have a clear exit strategy
- Calculate a target price with discounted cashflow analysis and don’t overpay
- Whilst buying Beyond Meat was a large error, I’m glad that it’s happened early on in my career. This reduces the change of making similar errors in future with more meaningful sums of money.
Link to discounted cashflow model video here.
Want to get in contact with me? Use the following channels:
Instagram: @_makeitstack TikTok: MakeItStack Website: https://caytonanalytics.com/ Email: [email protected]
Disclaimer: This podcast is for educational purposes only and should not be construed as financial advice. If you are unsure of making any investment decision, please contact your financial advisor.
17 min - Make it Stack #22 ft. @savvywallet - How a black mark on your credit score can change everything.
In this episode I speak with Ato aka SavvyWallet who is passionate about getting as many people onto the financial freedom train as possible.
After struggling with money as a student and getting a black mark on his credit score, Ato decided to make a change. He started budgeting, improving his credit score and started on the journey to become more investment savvy. In the podcast we talk about how you can improve your credit score, his experience in peer to peer lending, financial education and the importance of staying the course as long term investors – where you are able to ride the rough with the smooth.
Key topics discussed:
- What are Credit scores and how do you improve them?
- Peer to Peer lending (Innovative Finance ISAs) - link to Prop Lend here
- Ato's Investment Portfolio and stock picks (Meta, Alibaba, Intel)
- Financial education and the importance of having an open dialogue.
- The benefits of long term investing.
Want to get in contact with Ato? You can reach out to him on the following channels:
- Instagram
- TikTok
- Youtube
Want to get in contact with me? Use the following channels:
Instagram: @_makeitstack TikTok: MakeItStack Website: https://caytonanalytics.com/ Email: [email protected]
Disclaimer: This podcast is for educational purposes only and should not be construed as financial advice. If you are unsure of making any investment decision, please contact your financial advisor.
Keep calm and ride the vol.
1 hr 10 min - Make it Stack #21 - ft. @investingwithwes and @zebuthegreat - Value Investing, "Special Situations" and tough lessons for speculators
Welcome to "Make it Stack" with Will Waterhouse, the podcast designed to demystify the world of saving and investing for young people.
In this episode, I talk with Wes (@investingwithwes) and Jack (@zebuthegreat) who are both keen value investors and try to pick stocks at a discount to their true intrinsic value based on thorough research.
Topics discussed:
- 2017 Crypto-mania
- Wes & Jack's portfolios and investment philosophy
- Is the Chinese stock market undervalued?
- What are 'Special Situations"
- Group chats - don't get yourself in an echo chamber!
- Lessons learned for growth investors
- The role of cash in portfolio management
Want to get in contact with Wes? Check out his channel here: @investingwithwes
Want to get in contact with Jack? Check out his channel here: @zebuthegreat
Want to get in contact with me? Use the following channels:
Instagram: @_makeitstack TikTok: MakeItStack Website: https://caytonanalytics.com/ Email: [email protected]
Keep calm and ride the vol.
Disclaimer: This podcast is for educational purposes only and should not be construed as financial advice. If you are unsure of making any investment decision, please contact your financial advisor.
1 hr 2 min - Make it Stack #20 - Should you pay off your Student Loan early if you can afford it?
Welcome to "Make it Stack" with Will Waterhouse, the podcast designed to demystify the world of saving and investing for young people.
In this episode, I discuss whether you should pay off your (UK) Student Loan early. Is it worth doing if you have a lump sum?
Topics Discussed/Key Summary:
For a graduate in their mid-twenties with £50k of student debt…
- Paying off the student loan early makes most sense if you have a medium/high salary of >£45k AND forecast salary growth to be above inflation over the long term.
- Paying off the student loan early makes least sense if you are on a low income with a poor wage growth outlook (below inflation).
Deciding to pay off your student loan early is a complex decision and it hinges on long term factors which can be difficult to predict. A great deal of care should be taken before deciding to “pull the trigger” and pay it off with a lump sum.
Consider the opportunity cost of any spending/investment decision. Choosing to pay off the loan early forgoes the opportunity to invest for the long run (in stocks or real estate). Depending on your individual circumstances, this may not maximise your wealth.
Want to get in contact with me? Use the following channels:
Instagram: @_makeitstack TikTok: MakeItStack Website: https://caytonanalytics.com/ Email: [email protected]
Keep calm and ride the vol.
Disclaimer: This podcast is for educational purposes only and should not be construed as financial advice. If you are unsure of making any investment decision, please contact your financial advisor.
14 min - Make it Stack #19 ft. @lewishardinginvest - Target Asset Allocation, Venture Capital & Value Investing
In this episode I speak with Lewis Harding aka @lewishardinginvest on Instagram. Lewis is an accountant by trade and based up in Yorkshire (god's own country). He also an avid property and value investor who intends to build multiple sources of income through stocks, real estate and businesses.
Key topics discussed:
- Lewis' investment journey
- His Target Asset Allocation
- Commodity (Uranium) Investing
- Venture Capital Investing (seedrs and crowdcube)
- Investment Platforms
- Lifetime ISAs & De-risking
- Lewis' value investing approach.
Want to get in contact with Lewis? You can reach out to him on Instagram or visit his website at www.lewishardinginvest.com!
Want to get in contact with me? Use the following channels:
Instagram: @_makeitstack TikTok: MakeItStack Website: https://caytonanalytics.com/ Email: [email protected]
Disclaimer: This podcast is for educational purposes only and should not be construed as financial advice. If you are unsure of making any investment decision, please contact your financial advisor.
Keep calm and ride the vol.
40 min - Make it Stack #18 ft. @the_market_minute - The importance of Due-Diligence & Discounted Cashflow Modelling
Welcome to the "Make it Stack" podcast by Cayton Analytics with your host Will Waterhouse, the podcast designed to demystify the world of saving and investing for young people.
In this episode I speak with Logan Colhoun aka @the_market_minute on Instagram. Logan is an avid value investor based in the US who is constantly on the look out for mis-priced securities that look attractive based on company fundamentals.
Key topics discussed:
- Logan's investment journey
- Options Trading
- Discounted Cashflow Modelling
- Ebay, Meta and Ally Financial
- Agricultural ETFs
- The Chinese market
- Logan's Investing mistakes
- The importance of due-diligence
- The recent growth of Texas
Want to get in contact with Logan? You can reach out to him on Instagram.
Want to get in contact with me? Use the following channels:
Instagram: @_makeitstack Facebook: Make It Stack Website: https://caytonanalytics.com/ Email: [email protected]
Disclaimer: This podcast is for educational purposes only and should not be construed as financial advice. If you are unsure of making any investment decision, please contact your financial advisor.
Keep calm and ride the vol.
1 hr - Make it Stack #17 ft. Dan Robertson - What are Real Estate Investment Trusts & should you invest in them?
Welcome to the "Make it Stack" podcast by Cayton Analytics with your Will Waterhouse, the podcast designed to demystify the world of saving and investing for young people.
In this episode I speak with Dan Robertson - an investment professional who works in the investment consultancy industry.
Key topics discussed:
His personal investment journey which started as a young teenager, Real Estate Investment Trusts (REITs) & Primary Bids (for the participation in rights issues, IPOs and other corporate actions).
Check out the Primary Bid website: link here
Want to get in contact with Dan? You can reach out to him on Instagram and linkedin!
Want to get in contact with me? Use the following channels:
- Instagram: @_makeitstack
- Facebook: Make It Stack
- Website: https://caytonanalytics.com/
- Email: [email protected]
Disclaimer: This podcast is for educational purposes only and should not be construed as financial advice. If you are unsure of making any investment decision, please contact your financial advisor.
Keep calm and ride the vol.
53 min - Make it Stack #16 - What does "Financial Freedom" actually mean?
Welcome to "Make it Stack" with Will Waterhouse, the podcast designed to demystify the world of saving and investing for young people.
In this episode, I unpack financial freedom. How can this actually be achieved?
Topics Discussed/Key Summary:
- Financial freedom can be defined as the situation where the natural yield on your invested capital is enough to sustain your desired standard of living.
- The amount of invested capital required for financial freedom = Desired level of annual income divided by annual yield (% p.a).
- There is a trade-off between yield and portfolio risk. Whilst a higher portfolio yield boosts the income your capital generates per £ invested, it is likely subject to greater risk and severe capital depreciation.
- The yield on your portfolio can vary with market conditions. Be flexible with your spending levels.
- Financial freedom is a phase in life where you are no longer trading your time for money. This is liberating as it allows you to focus on things which truly matter.
Follow me on Instagram: @cayton_analytics
Website: https://caytonanalytics.com/
Read my blog here!
This podcast is for educational purposes only and should not be construed as financial advice.
16 min
About Make It Stack
From the publisher's feed
Will Waterhouse (a millennial investor) attempts to demystify the world of saving and investing for young people. "Make it Stack" consists of chatting breeze, passive indices and discussing the philosophy of other investors who are looking to build wealth in a sustainable way.
*Despite my confidence and enthusiasm, our content should not be misconstrued as financial advice. If you are unsure of making any investment decision, please contact your financial advisor.