In this episode, we talk about “cost averaging” vs “lump sum investing”, particulaly how cost averaging and lump sum investing both have their merits and can be used together.

We also explore active investing through individually selecting stocks, but also the utilisation of active funds which normally have a higher fee but can be more flexible and bespoke.

Passive investing became famous through Jack Bogle, the founder of the Vanguard Group, who wanted to make direct investing easy and accessible to the every day person. Through his work we now have passive index funds which have low fees and the potential to have the same performance as the market they are tracking.

There is not just one strategy that fits all. Knowledge is key in finding the investment strategy which suits you and we hope this episode helps.

In this episode, we talk about the fundamental tools for investing, for example the importance of choosing the right broker and considering the benefits some brokers offer through fractional shares. We discuss the use of dividends to start the 8th wonder of the world, compounding, and also how to look out for dividend traps. We explore how to use the P/E metric to consider whether a stock is expensive compared to the sector average or to the market overall e.g. S&P500. We also share our opinion on what best to do during all time highs.

In this episode we talk about what you should do before you start investing. Investing into the markets can bring risks and it's best to minimise this from the start. We cover the benefits of a regular income, the use of an emergency fund, the risk reward balance and other important aspects that help to implement a stable investing environment. We also cover the tools of investing, such as brokerages, stocks, bonds and ETFs.

In this pilot episode we discuss how budgeting is the base of all personal finance. Where it can lead and how it can be implemented into your life. Budgeting does not mean to cheap out on things important to you, be it a morning coffee or the monthly gym expense, but how you can budget and balance to get further with your money and start your investing journey.