https://www.therichesreport.com/blog daily 0.75 2026-03-27 https://www.therichesreport.com/blog/keeping-perspective-amid-market-madness-and-tax-year-end-noise monthly 0.5 2026-03-27 https://images.squarespace-cdn.com/content/v1/65a1913caa11f338c3142d90/918c5829-f383-450d-9b91-970bddaeb0f2/Sailing+Calmly.png Blog - Keeping Perspective Amid Market Madness and Tax Year-End Noise - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/65a1913caa11f338c3142d90/739cfe64-71d9-45a5-b58d-c90582a5d006/Market+Madnmess.png Blog - Keeping Perspective Amid Market Madness and Tax Year-End Noise - Make it stand out Source: FactSet/7IM. Past performance is not a guide to the future https://images.squarespace-cdn.com/content/v1/65a1913caa11f338c3142d90/f1f37540-8018-460a-ba30-abceba529a9c/Time+In+The+Market.png Blog - Keeping Perspective Amid Market Madness and Tax Year-End Noise - Make it stand out Source: FactSet/7IM. Past performance is not a guide to the future. https://www.therichesreport.com/blog/your-adviser-as-your-investment-coach-part-1 monthly 0.5 2026-03-19 https://images.squarespace-cdn.com/content/v1/65a1913caa11f338c3142d90/bd9f5309-43c1-485f-8cf8-283772ce45da/Coach.png Blog - Your adviser as your investment coach - Part 1 - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/65a1913caa11f338c3142d90/8ef733f8-1614-4337-b858-36253f3a8458/Investment+Coach.jpg Blog - Your adviser as your investment coach - Part 1 - Make it stand out Figure 1: Assessing active manager outcomes over 20 years Source: Albion Strategic Consulting. Data source: SPIVA® U.S. Scorecard Year-End 2025. 20-year results for ‘All Domestic Funds’ category. https://www.therichesreport.com/blog/the-client-diary-week-of-16-march-2026 monthly 0.5 2026-03-19 https://images.squarespace-cdn.com/content/v1/65a1913caa11f338c3142d90/067411a0-ede8-42ae-b0e5-590225765088/Client+Diary.jpeg Blog - The Client Diary - Week of 16 March 2026 - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.therichesreport.com/blog/markets-and-the-middle-east monthly 0.5 2026-03-09 https://images.squarespace-cdn.com/content/v1/65a1913caa11f338c3142d90/fd42d6dd-6768-4dff-a1b9-36820f7407ee/Iran.png Blog - Markets and the Middle East - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/65a1913caa11f338c3142d90/1962b33d-9e52-4a31-bb64-701c52966513/Iran+2.jpg Blog - Markets and the Middle East - Make it stand out Figure 1: Market returns in 2026 https://images.squarespace-cdn.com/content/v1/65a1913caa11f338c3142d90/7aa6a778-9658-46ec-8837-682bec69f254/Iran+2a.jpg Blog - Markets and the Middle East - Make it stand out Figure 2: Every year the market falls | Data source: Albion World Stock Market Index. Returns in GBP from 01/01/2007 to 03/03/2026. https://www.therichesreport.com/blog/turmoil-in-the-middle-east-but-not-in-your-portfolio monthly 0.5 2026-03-05 https://images.squarespace-cdn.com/content/v1/65a1913caa11f338c3142d90/c5604239-b615-4385-ace4-6fae8084a8a0/Iran.png Blog - Turmoil in the Middle East — But Not in Your Portfolio - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.therichesreport.com/blog/a-systematic-approach-to-investing monthly 0.5 2026-02-06 https://images.squarespace-cdn.com/content/v1/65a1913caa11f338c3142d90/2533594e-7820-4000-acb3-7155c4a03fd3/Systematic+%233.png Blog - A systematic approach to investing - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/65a1913caa11f338c3142d90/c75bacb7-cfa1-4178-a7ba-d20b0b192600/Systematic+%231.jpg Blog - A systematic approach to investing - Make it stand out Figure 1: Fund managers are poor at beating the market | Data source: SPIVA® U.S. Mid-Year 2025. ‘All Domestic Funds’. https://images.squarespace-cdn.com/content/v1/65a1913caa11f338c3142d90/b62e2edc-5fa0-4c3b-8106-583782828a69/Systematic+%232.jpg Blog - A systematic approach to investing - Make it stand out Figure 2: Build a sensible, repeatable approach | Source: Albion Strategic Consulting https://www.therichesreport.com/blog/beware-of-unnecessary-complexity monthly 0.5 2026-01-22 https://images.squarespace-cdn.com/content/v1/65a1913caa11f338c3142d90/0be90764-fafe-443c-8c96-2a63c9e09d30/Complex+2.png Blog - Beware of unnecessary complexity - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/65a1913caa11f338c3142d90/44c17f1c-f1c5-4349-b430-35a0f65771e8/Complexity.jpg Blog - Beware of unnecessary complexity - Make it stand out Figure 1: Largest five holdings of two US stock market index tracking funds Source: Fidelity Index US Fund (left), Legal & General US Index Trust (right). For example purposes only. Not a recommendation. https://images.squarespace-cdn.com/content/v1/65a1913caa11f338c3142d90/9e403464-ab80-4ad3-b4d7-6bdd0dbfc6f9/Complexity+1.jpg Blog - Beware of unnecessary complexity - Make it stand out Figure 2: Largest five holdings of US stock market index tracking fund, and small cap value fund. Source: Fidelity Index US Fund (left), SPDR MSCI USA Small Cap Val (right). For example purposes only. Not a recommendation. https://www.therichesreport.com/blog/the-courage-to-feel-left-out monthly 0.5 2026-01-20 https://images.squarespace-cdn.com/content/v1/65a1913caa11f338c3142d90/efd18480-cb2d-4967-a627-512b57a8711e/FOMO+1.png Blog - The Courage to Feel Left Out - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/65a1913caa11f338c3142d90/f0efd3c5-593c-46c7-8566-46cc74889e82/FOMO.png Blog - The Courage to Feel Left Out - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.therichesreport.com/blog/retirement-reimagined monthly 0.5 2026-01-15 https://images.squarespace-cdn.com/content/v1/65a1913caa11f338c3142d90/f4f15eb1-b65d-41df-95a9-2ec8cdc05e46/Retirement+Reimagined+2.png Blog - Retirement Reimagined - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/65a1913caa11f338c3142d90/0bcd5127-990d-4e25-9e41-9160c88a53f4/Retirement+Reimagined.png Blog - Retirement Reimagined - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.therichesreport.com/blog/the-overlooked-hassles-of-owning-property monthly 0.5 2026-01-13 https://images.squarespace-cdn.com/content/v1/65a1913caa11f338c3142d90/494a6a67-b087-433b-b663-ae7b9941c7c7/Property+Headache.png Blog - The Overlooked Hassles of Owning Property - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/65a1913caa11f338c3142d90/5d75166b-eb37-442c-b0c4-cf617429e93c/Hassle+of+Owning+Property.png Blog - The Overlooked Hassles of Owning Property - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.therichesreport.com/blog/2026-looking-backwards-and-forwards monthly 0.5 2026-01-08 https://images.squarespace-cdn.com/content/v1/65a1913caa11f338c3142d90/0827333e-beb5-47fb-8d41-944794de2ebe/Foggy+Path.png Blog - 2026: Looking backwards and forwards - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/65a1913caa11f338c3142d90/be3534ef-f726-453f-bd17-0c3df893c434/2-26+Returns.jpg Blog - 2026: Looking backwards and forwards - Make it stand out Figure 1: 2025 market returns versus 10-year average Source: Representative funds used. See endnote for details. In GBP terms. https://images.squarespace-cdn.com/content/v1/65a1913caa11f338c3142d90/87ebcdd3-17c5-4327-aa51-6b4229271ddd/2026+Returns+2.jpg Blog - 2026: Looking backwards and forwards - Make it stand out Figure 2: 10-year calendar year returns across markets and a diversified stock/bond portfolio Source: Representative funds used. See endnote for details. In GBP terms. https://images.squarespace-cdn.com/content/v1/65a1913caa11f338c3142d90/05f5d75c-c9f9-43d8-b5ec-7c5de3cb5d13/2026+Returns+3.jpg Blog - 2026: Looking backwards and forwards - Make it stand out Figure 3: Success of simulated market timing strategies Data source: Another Look at Timing the Equity Premiums. Dai W, Dong A. Dimensional Fund Advisers - Research (2023). Graphic: Albion Strategic Consulting. https://images.squarespace-cdn.com/content/v1/65a1913caa11f338c3142d90/00db8d26-44eb-4d51-8e9a-e0ca0d84b81b/2026+4.jpg Blog - 2026: Looking backwards and forwards - Make it stand out Figure 4: Stock markets are resilient to world events over the long term Source: Albion Strategic Consulting. Albion World Equity Index (https://smartersuccess.net/indices). Jan-75 to Dec-25. Monthly returns in GBP. https://www.therichesreport.com/blog/hiding-in-plain-sight-private-asset-exposure-through-public-equities monthly 0.5 2026-01-06 https://images.squarespace-cdn.com/content/v1/65a1913caa11f338c3142d90/e036522c-c050-4600-a2f6-ff67344d5560/Private+Assets.png Blog - Hiding in Plain Sight: Private Asset Exposure Through Public Equities - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/65a1913caa11f338c3142d90/d19de1e6-66e8-4ea4-9177-30a1321b31ee/hiding-in-plain-sight-private-asset-exposure-through-public-equities_e1.webp Blog - Hiding in Plain Sight: Private Asset Exposure Through Public Equities - Make it stand out Private Asset Exposure of 20 Largest US Publicly Traded Equities (As of Dec 31 2024) Sectors are classified according to GICS Industry code. GICS was developed by and is the exclusive property of MSCI and S&P Dow Jones Indices LLC, a division of S&P Global. MSCI data © MSCI 2025, all rights reserved. https://www.therichesreport.com/blog/market-concentration-whats-really-going-on monthly 0.5 2026-01-05 https://images.squarespace-cdn.com/content/v1/65a1913caa11f338c3142d90/656ae949-51f1-435c-94fe-2d2cac404e31/Market+Power.png Blog - Market Concentration: What's Really Going On - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.therichesreport.com/blog/get-your-finances-in-shape-for-the-new-year monthly 0.5 2025-12-30 https://images.squarespace-cdn.com/content/v1/65a1913caa11f338c3142d90/39b32476-a935-42c5-acd6-1952f8aef21f/Get+in+shape.png Blog - Get Your Finances in Shape for the New Year - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.therichesreport.com/blog/future-proof-your-pension-3-strategies-every-saver-needs-now monthly 0.5 2025-12-25 https://images.squarespace-cdn.com/content/v1/65a1913caa11f338c3142d90/5b7b3899-816f-4f97-81f5-6d00d4a71587/Sal+Sac.png Blog - Future-Proof Your Pension: 3 Strategies Every Saver Needs Now - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.therichesreport.com/blog/navigating-the-2025-uk-budget-key-takeaways-for-advisers-and-clients monthly 0.5 2025-12-17 https://images.squarespace-cdn.com/content/v1/65a1913caa11f338c3142d90/294fbc00-3f3b-4bb1-9b00-beea8d20c3fe/Budget+2.png Blog - Navigating the 2025 UK Budget: Key Takeaways for Advisers and Clients - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.therichesreport.com/blog/the-balancing-act monthly 0.5 2025-12-12 https://images.squarespace-cdn.com/content/v1/65a1913caa11f338c3142d90/4c87a932-88e6-4f4b-bd09-fdb554acace5/Balancing+Act.jpg Blog - The balancing act - Make it stand out Figure 1: Best, worst and average annual return for different stock and bond mixes | Source: Albion Strategic Consulting. https://smartersuccess.net/indices. See endnote. https://www.therichesreport.com/blog/what-the-2025-budget-means-for-pension-salary-sacrifice monthly 0.5 2025-11-28 https://images.squarespace-cdn.com/content/v1/65a1913caa11f338c3142d90/88deb503-a1de-4538-986b-94d1147a8c3d/NI+CAP.png Blog - What the 2025 Budget Means for Pension Salary Sacrifice - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.therichesreport.com/blog/currency-risk-through-a-long-term-lens monthly 0.5 2025-11-27 https://images.squarespace-cdn.com/content/v1/65a1913caa11f338c3142d90/c7e8fbc8-d3ef-46bd-afa9-80ac22b6f184/Currency+Long+Term.png Blog - Currency risk through a long-term lens - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/65a1913caa11f338c3142d90/99809665-5b6d-443f-a221-7aa53d2937bc/Longterm+USD+to+GBP.jpg Blog - Currency risk through a long-term lens - Make it stand out Figure 1: Long term USD to GBP currency impact | Data source: Vanguard S&P 500 Index Fund. Ticker: VFINX. Data period: 01/01/1977 - 31/10/2025. https://www.therichesreport.com/blog/https/wwwtherichesreportcom/blog/budget2025 monthly 0.5 2025-11-26 https://images.squarespace-cdn.com/content/v1/65a1913caa11f338c3142d90/fbe1df7c-877f-4fe6-829d-6a9fba8b71ea/Designer+%283%29.png Blog - Budget 2025 - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.therichesreport.com/blog/market-crises-through-a-long-term-lens monthly 0.5 2025-11-14 https://images.squarespace-cdn.com/content/v1/65a1913caa11f338c3142d90/c9ae1a38-60d8-4f1d-8e42-b09ae047d581/Market+Corrections.png Blog - Market crises through a long-term lens - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/65a1913caa11f338c3142d90/08ee0b76-d832-49ae-a55e-91f9d3a6d8eb/Screenshot+2025-11-14+105934.png Blog - Market crises through a long-term lens - Make it stand out Figure 1: Market crises look different through a long-term lens | Source: Albion Strategic Consulting. Data source: Albion World Stock Market Index © https://smartersuccess.net/indices. In USD, after inflation. https://www.therichesreport.com/blog/double-double-toil-and-trouble monthly 0.5 2025-10-31 https://images.squarespace-cdn.com/content/v1/65a1913caa11f338c3142d90/ee66b30b-67c8-44d1-8879-744d46c2dc6e/Witchy+1.jpg Blog - Double double toil and trouble - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/65a1913caa11f338c3142d90/de9fc0c9-ff9e-4282-b0dc-aae6d3d368c0/Halloween.jpg Blog - Double double toil and trouble - Make it stand out Figure 1: Success of simulated market timing strategies | Data source: Another Look at Timing the Equity Premiums. Dai W, Dong A. Dimensional Fund Advisers - Research (2023). Graphic: Albion Strategic Consulting. https://www.therichesreport.com/blog/tilt-dont-tinker monthly 0.5 2025-10-16 https://images.squarespace-cdn.com/content/v1/65a1913caa11f338c3142d90/73362a02-522f-4d96-8304-16ec09ee7186/Tilt.png Blog - Tilt, don’t tinker - Make it stand out Figure 1: It's hard to stay at the top forever | Data sources: Various - see footnote[1]. https://images.squarespace-cdn.com/content/v1/65a1913caa11f338c3142d90/2901abb6-644d-4874-af53-6328ceee47f8/Screenshot+2025-10-16+134349.png Blog - Tilt, don’t tinker - Make it stand out Table 1: Relative outcomes for a tilted portfolio versus world stock markets | Source: https://smartersuccess.net/indices. Period: 07/1926 - 09/2025. Cumulative return premium = [1+X]/[1+y]-1. https://www.therichesreport.com/blog/avoiding-the-lure-of-past-performance monthly 0.5 2025-10-16 https://images.squarespace-cdn.com/content/v1/65a1913caa11f338c3142d90/d4403e86-8cfa-4391-94c7-f77a5ee96d7e/Roulette.jpg Blog - Avoiding the lure of past performance - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/65a1913caa11f338c3142d90/148d98da-f0d0-4344-8be3-af7a5dcbfb39/Patchwork+1.jpg Blog - Avoiding the lure of past performance - Make it stand out Figure 1: Sector returns Jan 07 to Aug 25 | Data: see footnote[1] https://www.therichesreport.com/blog/pensions-tax-shake-up-what-might-be-coming-in-the-next-budget monthly 0.5 2025-09-08 https://images.squarespace-cdn.com/content/v1/65a1913caa11f338c3142d90/64ca735b-7516-4d02-8122-2c015908162d/Treasury+Pension+2.jpg Blog - Pensions Tax Shake-Up? What Might Be Coming in the Next Budget - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/65a1913caa11f338c3142d90/ceab4b43-ab05-4b13-81f3-05dc946325e3/Treasury+Pensions+1.png Blog - Pensions Tax Shake-Up? What Might Be Coming in the Next Budget - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.therichesreport.com/blog/is-your-investment-glass-half-full-or-half-empty monthly 0.5 2025-09-05 https://images.squarespace-cdn.com/content/v1/65a1913caa11f338c3142d90/84fb2e50-3e5b-4e3e-8c71-65edb55cccb3/Half+Full+Glass.png Blog - Is your investment glass half full or half empty? - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/65a1913caa11f338c3142d90/7139c754-8c83-4a32-974b-f132523eb02f/Half+Full.jpg Blog - Is your investment glass half full or half empty? - Make it stand out Figure 1: Good stuff happens too Data sources: Albion World Stock Market Index © https://smartersuccess.net/indices Period: Jul-26 – Jul-25. Returns in USD. https://www.therichesreport.com/blog/inheritance-tax-raid-part-iii-hmrcs-proposed-rule-change-what-it-means-for-family-gifts-and-estate-planning monthly 0.5 2025-08-29 https://images.squarespace-cdn.com/content/v1/65a1913caa11f338c3142d90/54637732-5f6e-4318-9981-bd6c4bb33462/IHT+Raid.jpg Blog - Inheritance Tax Raid Part III: HMRC’s Proposed Rule Change: What It Means for Family Gifts and Estate Planning - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.therichesreport.com/blog/inheritance-tax-raid-part-ii-could-your-home-be-taxed-more-what-you-need-to-know-about-the-proposed-property-levy monthly 0.5 2025-08-22 https://images.squarespace-cdn.com/content/v1/65a1913caa11f338c3142d90/2dc2037d-5732-47c3-b683-c48a61047d7e/IHT+Raid.jpg Blog - Inheritance Tax Raid Part II: Could Your Home Be Taxed More? What You Need to Know About the Proposed Property Levy - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.therichesreport.com/blog/inheritance-tax-under-fire-what-rachel-reeves-lifetime-gift-crackdown-could-mean-for-your-estate monthly 0.5 2025-08-22 https://images.squarespace-cdn.com/content/v1/65a1913caa11f338c3142d90/baa5228b-66cd-44f0-8259-519ac2f359ee/IHT+Raid.jpg Blog - Inheritance Tax Raid Part I: What Rachel Reeves’ Lifetime Gift Crackdown Could Mean for Your Estate - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.therichesreport.com/blog/are-your-savings-safe-what-rachel-reeves-tax-crackdown-could-mean-for-you monthly 0.5 2025-08-22 https://images.squarespace-cdn.com/content/v1/65a1913caa11f338c3142d90/a03de6eb-a0ca-4ef0-8b0b-b1e861b55e3e/Savings+Tax.jpg Blog - Are Your Savings Safe? What Rachel Reeves’ Tax Crackdown Could Mean for You - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.therichesreport.com/blog/britains-pension-time-bomb-how-rachel-reeves-tax-grab-is-gutting-retirement-savings monthly 0.5 2025-08-22 https://images.squarespace-cdn.com/content/v1/65a1913caa11f338c3142d90/5a86b3ca-465f-432a-8ee0-58a12c25f363/Pension+Time+Bomb.jpg Blog - Britain’s Pension Time Bomb: How Rachel Reeves’ Tax Grab Is Gutting Retirement Savings - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.therichesreport.com/blog/donut-buy-the-meme-hype monthly 0.5 2025-08-22 https://images.squarespace-cdn.com/content/v1/65a1913caa11f338c3142d90/87da8176-5fcd-4391-9bfe-30513849668d/Donut.png Blog - Donut Buy the Meme Hype - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/65a1913caa11f338c3142d90/a02637e4-7e8c-4813-be6c-9ebb073f5957/Dont+buy+the+memes.jpg Blog - Donut Buy the Meme Hype - Make it stand out Meme Stocks of 2021 Max drawdown, January 1, 2021–July 31, 2025 https://www.therichesreport.com/blog/the-patience-premium monthly 0.5 2025-08-22 https://images.squarespace-cdn.com/content/v1/65a1913caa11f338c3142d90/2878c848-bc72-413d-b59b-712f5169865b/Patience.jpg Blog - The patience premium - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/65a1913caa11f338c3142d90/8979d703-4fd1-4676-877d-20a88cbe5032/Patience+Premium.jpg Blog - The patience premium - Make it stand out Figure 1: Investment outcomes tend to improve over time | Source: for simple portfolio mix see endnote. Bank of England. Inflation: UK CPI. 03/07/90-15/08/25. https://images.squarespace-cdn.com/content/v1/65a1913caa11f338c3142d90/fad18197-2f5c-4670-8dca-25bc68ad2e9b/Patience+1.jpg Blog - The patience premium - Make it stand out Figure 2: How often you look affects how you feel | Source: for simple portfolio mix see endnote. Bank of England. Inflation: UK CPI. 03/07/90-15/08/25. Log scale. https://www.therichesreport.com/blog/recent-movements-in-the-us-dollar monthly 0.5 2025-08-07 https://images.squarespace-cdn.com/content/v1/65a1913caa11f338c3142d90/14f2a588-cd04-40e6-a857-a799367a2577/Dollar+3.jpg Blog - Recent movements in the US dollar - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/65a1913caa11f338c3142d90/40b71a65-b055-4101-909a-6b32218ccf80/Dollar+1.jpg Blog - Recent movements in the US dollar - Make it stand out Figure 1: US dollar versus basket of global currencies, Jan-75 to Jun-25 Data source: Bank for International Settlements (2025), Effective exchange rates, BIS WS_EER 1.0 (data set), https://data.bis.org/topics/EER/data (accessed on 06 August 2025). Nominal US exchange rate versus narrow currency basket, monthly. https://images.squarespace-cdn.com/content/v1/65a1913caa11f338c3142d90/89ec9ef2-7fdd-49e4-a45f-7e07786afae6/Dollar+2.jpg Blog - Recent movements in the US dollar - Make it stand out Figure 2: US dollar in rising/falling stock markets, 1y monthly rolling, Jan-75 to Jun-25 Data source: Bank for International Settlements (2025), Effective exchange rates, BIS WS_EER 1.0 (data set), https://data.bis.org/topics/EER/data (accessed on 06 August 2025). Nominal US exchange rate versus narrow currency basket, monthly. Albion World Stock Market Index (in GBP) (see smartersuccess.net/indices for more information). https://www.therichesreport.com/blog/navigating-the-crypto-hype monthly 0.5 2025-08-01 https://images.squarespace-cdn.com/content/v1/65a1913caa11f338c3142d90/f449fc0b-ceda-43f2-874a-c6e66f0bbfe2/Bitcoin+V+Stocks.jpg Blog - Navigating the crypto hype - Make it stand out Figure 1: Range of monthly returns of bitcoin price versus stocks over the last five years | Source: Albion Strategic Consulting. Albion World Stock Market Index (https://smartersuccess.net/indices). Jul-20 to Jun-25. Returns in USD. BTC monthly returns downloaded from coincodex.com https://www.therichesreport.com/blog/the-folly-of-star-fund-managers-what-investors-need-to-learn monthly 0.5 2025-08-01 https://images.squarespace-cdn.com/content/v1/65a1913caa11f338c3142d90/926aac96-aa10-4e08-8ae9-9a7840eb2b3e/Icarus.jpeg Blog - The Folly of Star Fund Managers: What Investors Need to Learn - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.therichesreport.com/blog/the-em-pendulum monthly 0.5 2025-07-10 https://images.squarespace-cdn.com/content/v1/65a1913caa11f338c3142d90/f32bc7f1-1249-4df1-ad7c-4b0572047a01/EM+Pendulum+Image.jpeg Blog - The EM pendulum - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/65a1913caa11f338c3142d90/3ed4eb42-fb6a-4e33-8e4d-76945a113151/EM+Pendulum.jpg Blog - The EM pendulum - Make it stand out Figure 1: Emerging markets have zigged and zagged | Indices: Fama/French Total US, International, Emerging Markets indices. Period: 01/07/1989 - 31/05/25. Returns in GBP. https://images.squarespace-cdn.com/content/v1/65a1913caa11f338c3142d90/23a3c60a-c56f-4919-8c07-5c288764e227/EM+Pendulum+1.jpg Blog - The EM pendulum - Make it stand out Figure 2: Diversification mitigates poor outcomes in any one region | Indices: Fama/French Total US Market, International, Emerging markets indices. Albion World Stock Market Index Period 01/01/2010 = 31/12/2024. Returns in GBP. https://www.therichesreport.com/blog/the-price-of-innovation monthly 0.5 2025-06-27 https://images.squarespace-cdn.com/content/v1/65a1913caa11f338c3142d90/9eac9509-919c-4f0a-93db-f509ddbd593f/Innovation+2.jpeg Blog - The price of innovation - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/65a1913caa11f338c3142d90/9cee3448-c379-420e-a0c7-1cb14b2a72a8/Innovation.jpg Blog - The price of innovation - Make it stand out Table 1: AI expectations embedded in market prices. Data source: iShares US Technology ETF as at 24/06/2025. Yahoo Finance. Price-to-earnings: The stock price as at the date displayed, relative to the earnings per share (EPS) over the trailing twelve-month period (TTM). https://images.squarespace-cdn.com/content/v1/65a1913caa11f338c3142d90/7ae55acc-5e24-46af-a980-8f86a1678fb6/Innovation+1.jpg Blog - The price of innovation - Make it stand out Figure 1: Percentage of the time value stocks have beaten growth stocks, across regions. Source: Ken French Data Library © US (Jul-26), Developed ex-US (Jul-90) and Emerging (Jul-91) – three factor model to Apr-25. https://www.therichesreport.com/blog/currency-risk-in-portfolios monthly 0.5 2025-06-13 https://images.squarespace-cdn.com/content/v1/65a1913caa11f338c3142d90/b8c27613-c1d8-495a-8273-9a62bc6d01c7/Currency+Hedging.jpeg Blog - Currency risk in portfolios - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/65a1913caa11f338c3142d90/f7c1fbc4-48e5-4600-b6d5-52a0d67ae821/Currency+Hedge.jpg Blog - Currency risk in portfolios - Make it stand out Data source: Payden Global Government Bond Index, iShares Global Government Bond ETF, Vanguard Global Stock Index. Period: 01/04/2011 - 31/05/2025. Returns stated in GBP. https://images.squarespace-cdn.com/content/v1/65a1913caa11f338c3142d90/5871f2a0-62a0-467f-98d8-12e28709e251/Growth+Assets.jpg Blog - Currency risk in portfolios - Make it stand out Figure 2: Comparing currency hedged and unhedged equities | Data source: Payden Global Government Bond Index, iShares MSCI World GBP Hedged ETF, Vanguard Global Stock Index. Period: 01/04/2011 - 31/05/2025. Returns stated in GBP. https://www.therichesreport.com/blog/understanding-asset-protection-trusts-a-comprehensive-guide monthly 0.5 2025-06-12 https://images.squarespace-cdn.com/content/v1/65a1913caa11f338c3142d90/6cdaeb7d-edc8-44d4-ac06-08f1b76db003/Asset+Protection+Trusts.png Blog - Understanding Asset Protection Trusts: A Comprehensive Guide - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.therichesreport.com/blog/a-risk-focused-approach-to-investing monthly 0.5 2025-06-11 https://images.squarespace-cdn.com/content/v1/65a1913caa11f338c3142d90/81ea2575-972c-4e20-a7e9-223627bc7b0d/Risk+Balance.jpeg Blog - A risk-focused approach to investing - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/65a1913caa11f338c3142d90/3a79f157-aa9b-4891-b084-5babb5305e87/Risk+Focus.jpg Blog - A risk-focused approach to investing - Make it stand out Figure 1: The choices faced by risk managers | Source: Albion Strategic Consulting https://www.therichesreport.com/blog/the-importance-of-rebalancing monthly 0.5 2025-06-10 https://images.squarespace-cdn.com/content/v1/65a1913caa11f338c3142d90/bd6332aa-57ed-4d7f-b436-5818af7a408c/Rebalance+2.jpeg Blog - The importance of rebalancing - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/65a1913caa11f338c3142d90/815d9675-cc08-410e-8b3b-46be481090cb/Rebalancing.jpg Blog - The importance of rebalancing - Make it stand out Figure 1: Drift in growth/defensive asset exposure of 60/40 portfolio from Sep-14 to Aug-24 Source: Albion Strategic Consulting. Data source: Morningstar Direct © Growth assets: Vanguard Total World Stock Index Fund Admiral VTWAX, Defensive assets: Vanguard Global Short-Term Bond Index Fund VGSTBGA. Monthly returns in GBP. https://images.squarespace-cdn.com/content/v1/65a1913caa11f338c3142d90/2a46eea1-7f31-4ce6-ab9d-f251eeb9df21/Rebalancing+1.jpg Blog - The importance of rebalancing - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.therichesreport.com/blog/is-another-pension-tax-shake-up-on-the-horizon-what-rachel-reeves-might-be-planning monthly 0.5 2025-06-09 https://images.squarespace-cdn.com/content/v1/65a1913caa11f338c3142d90/4cd53b85-fed9-4c20-ad1b-3df0db8394d7/Tax+Reform.jpeg Blog - Is (another) Pension Tax Shake-Up on the horizon? What Rachel Reeves Might Be Planning - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.therichesreport.com/blog/new-state-pension-age-70 monthly 0.5 2025-06-03 https://images.squarespace-cdn.com/content/v1/65a1913caa11f338c3142d90/adf40677-ad33-490a-a2a5-11beabfb93fe/State+Pension+70.jpeg Blog - New State Pension Age - 70 - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.therichesreport.com/blog/the-client-diary monthly 0.5 2025-06-02 https://images.squarespace-cdn.com/content/v1/65a1913caa11f338c3142d90/d8bd7761-df74-41c0-a7ee-cc6af25deec6/Client+Diary.jpeg Blog - The Client Diary - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.therichesreport.com/blog/us-exceptionalism-resilient-reality-or-risky-illusion monthly 0.5 2025-05-30 https://images.squarespace-cdn.com/content/v1/65a1913caa11f338c3142d90/b93a8109-ef67-45f7-bdfe-ecf9b0a548ba/Risky+Illusion.jpeg Blog - US ‘exceptionalism’ - resilient reality or risky illusion? - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/65a1913caa11f338c3142d90/8fc74389-ec0f-486b-9e08-37cb73cc4f6c/Exceptionalism.jpg Blog - US ‘exceptionalism’ - resilient reality or risky illusion? - Make it stand out Figure 1: Recent ‘exceptionalism’ vs. not-too-distant ‘unexceptionalism’ | Data source: Fama/French indices © All rights reserved. Dimensional Returns web. In GBP terms. 2020s to end Q1 2025. https://images.squarespace-cdn.com/content/v1/65a1913caa11f338c3142d90/8d54cc59-41a7-4f34-bce3-664fb6992ebc/PE+Ratios.jpg Blog - US ‘exceptionalism’ - resilient reality or risky illusion? - Make it stand out Figure 2: P/E Ratios Today vs. 20-Year Average (to 27/3/2025) | Source: Major Stock Index PE Ratios accessed on 28th May 2025. https://www.therichesreport.com/blog/in-shaky-times-investors-should-hold-their-nerve monthly 0.5 2025-05-22 https://images.squarespace-cdn.com/content/v1/65a1913caa11f338c3142d90/a9d7674a-3ceb-4af1-bd6a-d97d27edb774/Lighthouse.jpeg Blog - In Shaky Times, Investors Should Hold Their Nerve - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.therichesreport.com/blog/from-letting-to-regretting monthly 0.5 2025-05-16 https://images.squarespace-cdn.com/content/v1/65a1913caa11f338c3142d90/83034d51-9c82-416f-a3b2-1a31e33f0163/Property+Piggy+Bank.jpeg Blog - From letting to regretting - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/65a1913caa11f338c3142d90/193d8342-a846-4540-bb4e-a4ec5185c754/Property+-+Gearing.jpg Blog - From letting to regretting - Make it stand out Table 1: Gearing magnifies losses – effect on £50,000 equity capital | Data source: Nationwide House Price Index. Bank of England UK CPI. All rights reserved. Red = negative equity. https://images.squarespace-cdn.com/content/v1/65a1913caa11f338c3142d90/237e4c22-7b14-4b02-b3a5-cd7a8e9a39da/Property+-+Newcastle.jpg Blog - From letting to regretting - Make it stand out Table 1: Assumptions – Newcastle, United Kingdom – 2024 estimates | Source: Albion assumptions and estimates 2025 – basic example only. UK Buy-To-Let Yield Map 2024 | Verta Property Group https://images.squarespace-cdn.com/content/v1/65a1913caa11f338c3142d90/1e4877b2-b967-4251-b71b-7a3a25effe7c/Property+V+Investing.jpg Blog - From letting to regretting - Make it stand out Figure 1: Buy-to-let versus traditional portfolios – simulated strategies after inflation 1981-2024 | https://www.therichesreport.com/blog/the-relentless-power-of-markets monthly 0.5 2025-05-05 https://images.squarespace-cdn.com/content/v1/65a1913caa11f338c3142d90/bb45edac-bce6-4b06-9691-8a560fb670f1/Power+of+investment+markets.jpeg Blog - The relentless power of markets - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/65a1913caa11f338c3142d90/c0f891eb-3f31-4478-a904-41a2ee295909/Systematic+Investing.jpg Blog - The relentless power of markets - Make it stand out Figure 1: Systematic portfolio outcomes have been strong: Jun-11 – Mar-25 | Data source: Albion Strategic Consulting © Multi-manager Comparison Tool. Data to 31/03/2024. See endnote. https://www.therichesreport.com/blog/navigating-trumps-tariffs monthly 0.5 2025-04-22 https://images.squarespace-cdn.com/content/v1/65a1913caa11f338c3142d90/758d1245-33df-4cf0-b85f-e7d4b123ac0e/Trump+Tariff.jpg Blog - Navigating Trump's Tariffs - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/65a1913caa11f338c3142d90/95b8a50e-dc0c-4b52-9c08-cff35949c12e/US+Trade+Defecit.png Blog - Navigating Trump's Tariffs - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/65a1913caa11f338c3142d90/4d38e811-96ec-4f9b-8e93-94143a960e85/US+Imports.jpg Blog - Navigating Trump's Tariffs - Make it stand out Source: White House, via BBC News. Data reflects countries and territories affected by the reciprocal tariffs policy, excluding Canada and Mexico. Import figures are for 2024. Updated 10 April 2025. https://images.squarespace-cdn.com/content/v1/65a1913caa11f338c3142d90/64253edc-464f-4fb2-a866-85d30d732dc5/Formula.jpg Blog - Navigating Trump's Tariffs - Make it stand out Source: Office for United States Trade Representative https://www.therichesreport.com/blog/annual-returns-of-stock-markets monthly 0.5 2025-04-21 https://images.squarespace-cdn.com/content/v1/65a1913caa11f338c3142d90/2269441d-29c7-418e-aefd-d5fbe9f707da/Analysing.jpeg Blog - Annual returns of stock markets - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/65a1913caa11f338c3142d90/03a8417f-7c0a-467c-986d-a47c83d51404/Annual+Returns.png Blog - Annual returns of stock markets - Make it stand out Figure 1: Annual stock market returns in context. Source: Albion Strategic Consulting. Albion World Equity Index (https://smartersuccess.net/indices). 1927 to 14th April 2025. Returns in USD. https://www.therichesreport.com/blog/trumps-tariffs-a-strategic-gamble-to-influence-the-fed monthly 0.5 2025-04-11 https://images.squarespace-cdn.com/content/v1/65a1913caa11f338c3142d90/3300a611-9ff7-40f1-92ed-8687fd27323a/Tariff+1.jpeg Blog - Trump's Tariffs: A Strategic Gamble to Influence the Fed? - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.therichesreport.com/blog/stock-markets-this-month-10th-april-2025 monthly 0.5 2025-04-10 https://images.squarespace-cdn.com/content/v1/65a1913caa11f338c3142d90/dfaa8c43-7718-49a9-a6f6-5d9773ad4b8d/Billions+Wiped+Off+Stock+Market.jpeg Blog - Stock markets this month, 10th April 2025 - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/65a1913caa11f338c3142d90/02475d62-562f-4b27-9212-29616ae08984/Markets+In+Context.png Blog - Stock markets this month, 10th April 2025 - Make it stand out Figure 1: Putting market falls into context. Source: Albion Strategic Consulting. Vanguard Glb Stk Idx $ Acc. Data in USD from 05/08/1998 to 08/04/2025. Daily returns. https://www.therichesreport.com/blog/the-top-7-stock-market-falls-and-recoveries-since-1900 monthly 0.5 2025-04-10 https://images.squarespace-cdn.com/content/v1/65a1913caa11f338c3142d90/1c6d6604-8202-471f-ab36-6d17aa63ac3b/Rollercoaster.jpeg Blog - The top 7 Stock Market falls and recoveries since 1900 - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.therichesreport.com/blog/investing-can-be-a-roller-coaster-three-tips-for-riding-out-the-ups-and-downs monthly 0.5 2025-04-09 https://images.squarespace-cdn.com/content/v1/65a1913caa11f338c3142d90/c2171b90-8d9e-4086-afa0-e739cd651f27/Investors+on+a+roller+coaster.jpeg Blog - Investing Can Be a Roller Coaster: Three Tips for Riding Out the Ups and Downs - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/65a1913caa11f338c3142d90/4964ebb5-794a-429a-b43d-a48af92138ba/Intrayear.png Blog - Investing Can Be a Roller Coaster: Three Tips for Riding Out the Ups and Downs - Make it stand out Exhibit 1: US Market Intrayear Gains and Declines vs. Calendar Year Returns 1979–2023 https://images.squarespace-cdn.com/content/v1/65a1913caa11f338c3142d90/d2f7dd29-c7ec-4fc4-ac64-a505c28e0287/S%26P.png Blog - Investing Can Be a Roller Coaster: Three Tips for Riding Out the Ups and Downs - Make it stand out Exhibit 2: S&P 500 Index Performance Based on Time in the Market 1990–2023 https://images.squarespace-cdn.com/content/v1/65a1913caa11f338c3142d90/c9c062ce-6678-4584-ab3d-b298532ef4f2/Dollar+Growth.png Blog - Investing Can Be a Roller Coaster: Three Tips for Riding Out the Ups and Downs - Make it stand out Exhibit 3: Growth of a Dollar—MSCI World Index (Net Dividends) 1970–2023 https://images.squarespace-cdn.com/content/v1/65a1913caa11f338c3142d90/cdc58cbd-2b83-4edc-aae2-3f9488935d6f/Risk+Tolerance.png Blog - Investing Can Be a Roller Coaster: Three Tips for Riding Out the Ups and Downs - Make it stand out Exhibit 4: Stock-Bond Asset Allocation Performance 1985–2023 https://images.squarespace-cdn.com/content/v1/65a1913caa11f338c3142d90/01ad2d03-2e10-4877-990f-1b38d97482c8/by+currency.png Blog - Investing Can Be a Roller Coaster: Three Tips for Riding Out the Ups and Downs - Make it stand out Exhibit 5: Index Returns in Local Currency Year to date as of March 7, 2025 https://www.therichesreport.com/blog/the-role-of-central-banks-exploring-their-functions-and-impact-on-the-economy monthly 0.5 2025-04-09 https://images.squarespace-cdn.com/content/v1/65a1913caa11f338c3142d90/f58ec448-e3c7-4ef2-bf44-a1c03e25bcf8/Central+Bank.jpeg Blog - The Role of Central Banks: Exploring Their Functions and Impact on the Economy - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.therichesreport.com/blog/retirement-planning-tips-and-strategies-for-a-secure-and-comfortable-retirement monthly 0.5 2025-04-08 https://images.squarespace-cdn.com/content/v1/65a1913caa11f338c3142d90/c8bdd4d0-272f-496c-aa3e-fdb33f044d73/Retirement+2.jpeg Blog - Retirement Planning: Tips and Strategies for a Secure and Comfortable Retirement - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.therichesreport.com/blog/in-investing-time-is-your-friend monthly 0.5 2025-04-07 https://images.squarespace-cdn.com/content/v1/65a1913caa11f338c3142d90/1c3b4553-b308-4288-993c-9a98cfd19a48/Screenshot+2025-04-07+124847.png Blog - In investing, time is your friend - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/65a1913caa11f338c3142d90/c6f4dd4b-7b5a-48cb-858f-18be93f35e06/Patience.png Blog - In investing, time is your friend - Make it stand out Figure 1: Converging stock market outcomes as holding period increases, Jul-1926 to Jul-2024 Source: Albion Strategic Consulting. Periods on an annualised, monthly rolling basis. Omits ‘Best return’ outcomes for 1 year to May-33 and Jun-33 due to axis limitation. See endnote for details on data used. https://www.therichesreport.com/blog/time-to-panic monthly 0.5 2025-04-04 https://images.squarespace-cdn.com/content/v1/65a1913caa11f338c3142d90/4c842128-e841-4237-aafc-9759c963a2e7/Investor+Panic.png Blog - Time to panic? - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/65a1913caa11f338c3142d90/2eb12c9e-0e45-4d54-a508-70db32507f14/CAM100+1.png Blog - Time to panic? - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.therichesreport.com/blog/boost-your-state-pension-before-its-too-late-a-last-minute-checklist monthly 0.5 2025-04-02 https://images.squarespace-cdn.com/content/v1/65a1913caa11f338c3142d90/87cae7db-7fc9-4209-8aea-108deafa7fa8/State+Pension+Top+Up+2.png Blog - Boost Your State Pension Before It's Too Late: A Last-Minute Checklist - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.therichesreport.com/blog/setting-sensible-expectations-for-investment-returns monthly 0.5 2025-04-01 https://images.squarespace-cdn.com/content/v1/65a1913caa11f338c3142d90/8ed2b8be-a5c3-470c-8977-2c27c761ae65/Crystal+Ball.jpeg Blog - Setting sensible expectations for investment returns - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/65a1913caa11f338c3142d90/7186f9ca-2d0d-4e59-b3a6-7287c5f2ffe3/Sensible+Assumptions.png Blog - Setting sensible expectations for investment returns - Make it stand out Figure 1: A logical framework for setting sensible expectations for investment returns Source: Albion Strategic Consulting https://images.squarespace-cdn.com/content/v1/65a1913caa11f338c3142d90/235f1932-47e0-471c-a7f7-0eeefae43a3d/Sensible+1.png Blog - Setting sensible expectations for investment returns - Make it stand out Figure 2: One hundred 10-year return simulations, growth of 100,000 Source: Albion Strategic Consulting. One hundred 10-year Monte Carlo simulations using arithmetic average return of Albion World Stock Market Index (https://smartersuccess.net/indices) from 1994-2023 (9.4%) and standard deviation of annual returns (18%), priced in USD in nominal terms. https://www.therichesreport.com/blog/staying-calm-in-turbulent-markets monthly 0.5 2025-04-01 https://images.squarespace-cdn.com/content/v1/65a1913caa11f338c3142d90/9dfefaed-c373-42dc-ae10-1c64cec958f1/Financial+Storm.jpeg Blog - Staying calm in turbulent markets - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/65a1913caa11f338c3142d90/5e66cb74-ac65-4a77-a082-26865aad9cf9/Choppy+Markets+1.png Blog - Staying calm in turbulent markets - Make it stand out Figure 1: Market timing can be costly Source: Albion Strategic Consulting. Albion World Equity Index (https://smartersuccess.net/indices). Jul-07 to Dec-24. Daily returns in USD. https://images.squarespace-cdn.com/content/v1/65a1913caa11f338c3142d90/a5541462-97d8-4bc3-b0f3-ccde97b7f10b/Choppy+Markets+2.png Blog - Staying calm in turbulent markets - Make it stand out Figure 2: Every year, the market falls – global Source: Albion Strategic Consulting. Data: Vanguard Glb Stk Idx $ Acc https://images.squarespace-cdn.com/content/v1/65a1913caa11f338c3142d90/908aa81b-36c2-4101-b58b-957da71a3d30/Choppy+Markets+3.png Blog - Staying calm in turbulent markets - Make it stand out Figure 3: Every year, the market falls – US Source: Albion Strategic Consulting. Data: Vanguard Institutional Index I. https://images.squarespace-cdn.com/content/v1/65a1913caa11f338c3142d90/2221a77f-df13-469a-827c-cb7c80731e91/Choppy+Markets+4.png Blog - Staying calm in turbulent markets - Make it stand out Figure 4: Market returns vary widely around the average Source: Albion Strategic Consulting. Albion World Stock Market Index. 1985-2024. Returns in USD. https://www.therichesreport.com/blog/five-key-probabilities-for-investment-success monthly 0.5 2025-03-29 https://images.squarespace-cdn.com/content/v1/65a1913caa11f338c3142d90/28cc9cc9-04b7-4987-a8dc-5cfaba875ef0/Analysing.jpeg Blog - Five key probabilities for investment success - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/65a1913caa11f338c3142d90/ff672663-de25-469d-996b-c9364167ac14/Screenshot+2025-03-29+164644.png Blog - Five key probabilities for investment success - Make it stand out Figure 1: Stocks are likely to beat cash over time. Source: Albion World Stock Market Index versus UK One Month Treasury Bills https://images.squarespace-cdn.com/content/v1/65a1913caa11f338c3142d90/900a0701-6ca0-4442-9590-27195f7749aa/Picture1.png Blog - Five key probabilities for investment success - Make it stand out Figure 2: Only 5% of global equity funds beat the market over 20 years. Source: Albion GAMETM 24.5 – global equity funds to June 2024. https://images.squarespace-cdn.com/content/v1/65a1913caa11f338c3142d90/7007b656-cb9b-4aa4-9459-8781cc04afa7/Picture2.png Blog - Five key probabilities for investment success - Make it stand out Figure 3: US 1926-2015 – only a handful of companies created all the wealth. Source: Bessembinder, H. (2018). Do stocks outperform Treasury bills? Journal of Financial Economics, 129(3), 440–457. https://doi.org/10.1016/J.JFINECO.2018.06.004 https://images.squarespace-cdn.com/content/v1/65a1913caa11f338c3142d90/30ea7db1-7a4a-4efb-a405-93858b671810/Picture3.png Blog - Five key probabilities for investment success - Make it stand out Figure 4: The chances of capturing excess returns improves over time Source: Ken French Data Library – US three factor model https://images.squarespace-cdn.com/content/v1/65a1913caa11f338c3142d90/5db71e81-19ba-4989-b2f1-1ee5b4dca3a8/Picture4.png Blog - Five key probabilities for investment success - Make it stand out Figure 5: Lower costs improve the chances of better outcomes. Source: Albion Strategic Consulting. Professor William Sharpe's Terminal Wealth Ratio. https://www.therichesreport.com/blog/spring-statement-2025-economic-stability-and-future-growth monthly 0.5 2025-03-27 https://images.squarespace-cdn.com/content/v1/65a1913caa11f338c3142d90/83259e5c-0fb3-4d0f-83f1-32b50c5333df/Screenshot+2025-03-27+101430.png Blog - Spring Statement 2025: Economic Stability and Future Growth? - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.therichesreport.com/blog/a-few-things-about-gold monthly 0.5 2025-03-27 https://images.squarespace-cdn.com/content/v1/65a1913caa11f338c3142d90/6c283eea-0c0a-4cae-b1c9-59c4232e6b8e/Gold+Digging.jpeg Blog - A few things about gold… - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/65a1913caa11f338c3142d90/660a996f-760b-4fa7-aac5-e4f86de04d75/Gold.png Blog - A few things about gold… - Make it stand out Figure 1: Gold prices compared to inflation and other assets 1-1970 to 2-2025 Source: Albion Strategic Consulting. Data: Morningstar Direct © All rights reserved (see endnote) https://www.therichesreport.com/blog/bank-of-england-holds-interest-rates-amid-concerns-over-inflation-and-trump-tariffs monthly 0.5 2025-03-26 https://images.squarespace-cdn.com/content/v1/65a1913caa11f338c3142d90/db2aa08a-0d80-4f89-a038-be1bbeb57233/Interest+Rate+Decision.jpeg Blog - Bank of England Holds Interest Rates Amid Concerns Over Inflation and Trump Tariffs - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/65a1913caa11f338c3142d90/f8a75b99-cf5d-41ff-abba-c27c95cae74a/UK+Inflation+Rate.png Blog - Bank of England Holds Interest Rates Amid Concerns Over Inflation and Trump Tariffs - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/65a1913caa11f338c3142d90/7a26a380-d73e-4a12-ab1c-237ae72e3df4/UK+Food+price+inflation.png Blog - Bank of England Holds Interest Rates Amid Concerns Over Inflation and Trump Tariffs - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.therichesreport.com/blog/reflections-on-the-5th-anniversary-of-the-uks-first-covid-lockdown-investment-markets-reaction-and-recovery monthly 0.5 2025-03-25 https://images.squarespace-cdn.com/content/v1/65a1913caa11f338c3142d90/732e2d8b-970c-4fca-b1b2-a6e114c04a98/COVID19.jpeg Blog - Reflections on the 5th Anniversary of the UK's First COVID Lockdown: Investment Markets' Reaction and Recovery - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.therichesreport.com/blog/ignore-the-noise-trump-musk-and-the-markets monthly 0.5 2025-03-24 https://images.squarespace-cdn.com/content/v1/65a1913caa11f338c3142d90/0c8951cb-063b-4ae3-beb2-942609da3fdc/Market+Panic.jpeg Blog - Ignore the noise: Trump, Musk, and the Markets - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/65a1913caa11f338c3142d90/3b8e3834-fb85-4aa6-9f45-af25c3e541ed/Historical+Mix+of+Global+Equity.png Blog - Ignore the noise: Trump, Musk, and the Markets - Make it stand out Source: UBS Global Investment Returns Yearbook: Summary Edition 2024 Elroy Dimson, Paul Marsh and Mike Staunton, DMS Database 2024 and FTSE Russell All-World Index Series weights (recent years) https://images.squarespace-cdn.com/content/v1/65a1913caa11f338c3142d90/858a0c96-3935-4eea-a1bc-9c1c808ccc44/Magnificant+7.png Blog - Ignore the noise: Trump, Musk, and the Markets - Make it stand out So, is investing in US equities purely a bet on the US? Absolutely not. These are global businesses operating in a global economy, and their revenues reflect their worldwide reach. Aren’t We Repeating Past Mistakes? One of the most common comparisons we hear is that today’s market is eerily similar to the early 2000s, just before the dot-com bubble burst. The narrative goes like this: tech stocks have surged, valuations are stretched, and we are ignoring the warning signs of an imminent crash. Now, I cannot guarantee that a market correction is not around the corner. History shows that bear markets are an unavoidable part of investing and show up randomly. They are a feature of the system, not a bug. However, a closer look at the data reveals clear differences between today and the dot-com bubble. The dot-com era was driven by companies with sky-high valuations, much lower profit margins, and minimal cash reserves. In contrast, today’s Magnificent Seven are some of the most profitable businesses in history, generating enormous cash flows with forward P/E ratios far lower than those of 2000’s tech leaders, indicating much lower valuations. The aggregate forward P/E ratio of the Magnificent Seven stood at 23.9 as of September 2024, compared to 52.0 during the dot-com era. Cash reserves are also significantly higher, providing a buffer against economic downturns. But perhaps the most important factor of all is profitability. Companies like Nvidia now boast net profit margins above 50%. The reality is that these companies are not speculative startups running on hype. They are cash-rich, structurally sound, and have built dominant positions in global industries. While volatility is inevitable, dismissing the current market as just another dot-com bubble ignores the fundamental strength of today’s tech giants. https://images.squarespace-cdn.com/content/v1/65a1913caa11f338c3142d90/c60eae0b-6a61-4088-8255-88b14735a97d/Mag+7+v+Tech+bubble.png Blog - Ignore the noise: Trump, Musk, and the Markets - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/65a1913caa11f338c3142d90/4f0eb2b6-43b0-4666-b7a9-981384dfd897/2000+Tech+Bubble.png Blog - Ignore the noise: Trump, Musk, and the Markets - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.therichesreport.com/blog/tax-year-countdown-7-essential-tasks-to-complete-before-april-5th-2025 monthly 0.5 2025-03-21 https://images.squarespace-cdn.com/content/v1/65a1913caa11f338c3142d90/fe3f55ee-53cb-46d6-a127-210dc425c4fe/Tax+Year+End.jpeg Blog - Tax Year Countdown: 7 Essential Tasks to Complete Before April 5th, 2025 - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.therichesreport.com/blog/understanding-the-upcoming-inheritance-tax-changes monthly 0.5 2025-03-20 https://images.squarespace-cdn.com/content/v1/65a1913caa11f338c3142d90/1ddb7ce6-87be-43ff-8f9b-7dce792c0ee3/IHT+Confusion.jpeg Blog - Understanding the Upcoming Inheritance Tax Changes - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.therichesreport.com/blog/financial-planning-for-families-a-comprehensive-guide monthly 0.5 2025-03-19 https://images.squarespace-cdn.com/content/v1/65a1913caa11f338c3142d90/56747c52-2b7d-4e17-b6a9-c41ffa7bc380/Stressed+Famiies.jpeg Blog - Financial Planning for Families: A Comprehensive Guide - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.therichesreport.com/blog/navigating-the-role-of-an-attorney-under-a-lasting-power-of-attorney monthly 0.5 2025-03-18 https://images.squarespace-cdn.com/content/v1/65a1913caa11f338c3142d90/ec68ec84-7bc3-451b-b8b6-45b07d43d533/LPA+Roles.jpeg Blog - Navigating the Role of an Attorney Under a Lasting Power of Attorney - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.therichesreport.com/blog/rachel-reeves-24bn-tax-raid-implications-and-reactions monthly 0.5 2025-03-17 https://images.squarespace-cdn.com/content/v1/65a1913caa11f338c3142d90/898a8f69-59f0-4778-ac3f-1f04dd3e0290/Tax+Train.jpeg Blog - Rachel Reeves' £24bn Tax Raid: Implications and Reactions - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.therichesreport.com/blog/new-state-pension-tax-threat-rachel-reeves-upcoming-income-raid monthly 0.5 2025-03-14 https://images.squarespace-cdn.com/content/v1/65a1913caa11f338c3142d90/64c443fc-b788-467a-906c-9f626f780413/Pension+Tax.png Blog - New State Pension Tax Threat: Rachel Reeves' Upcoming Income Raid - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.therichesreport.com/blog/retirement-budgeting monthly 0.5 2025-03-13 https://images.squarespace-cdn.com/content/v1/65a1913caa11f338c3142d90/f3a33543-6665-4cb3-834b-a1cb5563f2ce/Budgeting.jpeg Blog - Retirement Budgeting - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.therichesreport.com/blog/whats-your-number monthly 0.5 2025-03-12 https://images.squarespace-cdn.com/content/v1/65a1913caa11f338c3142d90/bb15545d-410e-406b-97ee-f41fb95ceaa2/Your+Number.jpeg Blog - What's Your "Number?" - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.therichesreport.com/blog/we-should-ban-risk-profilers-prove-me-wrong monthly 0.5 2025-03-11 https://images.squarespace-cdn.com/content/v1/65a1913caa11f338c3142d90/abe73f4c-6dc1-49e5-b287-8c70084f55c9/Risk+Profilers.jpeg Blog - We Should Ban Risk Profilers: Prove Me Wrong - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.therichesreport.com/blog/the-power-of-compounding-over-time monthly 0.5 2025-03-10 https://images.squarespace-cdn.com/content/v1/65a1913caa11f338c3142d90/ca843350-a380-43ee-be99-70d439961eac/Compounding.jpeg Blog - The power of compounding over time - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/65a1913caa11f338c3142d90/3622855f-675b-4580-b203-3de2787d0e7d/Screenshot+2025-03-09+110811.png Blog - The power of compounding over time - Make it stand out Figure 1: Doubling grains of wheat on each square of a chess board Source: Albion Strategic Consulting https://images.squarespace-cdn.com/content/v1/65a1913caa11f338c3142d90/7b13b7e2-dbc6-44e0-8e2e-fc5d5087a718/Screenshot+2025-03-09+110953.png Blog - The power of compounding over time - Make it stand out Figure 2: The Rule of 72 – time to double your spending power using after-inflation returns, Source: Albion Strategic Consulting https://www.therichesreport.com/blog/understanding-and-managing-sequence-risk monthly 0.5 2025-03-06 https://images.squarespace-cdn.com/content/v1/65a1913caa11f338c3142d90/a7a6339e-2c4d-4dad-a99f-2403d9b1fa3c/Sequencing+Risk+3.jpeg Blog - Understanding and managing ‘sequence risk’ - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/65a1913caa11f338c3142d90/ee5a3822-60f9-485b-8b10-85311bca03f1/Sequencing+Risk+1.png Blog - Understanding and managing ‘sequence risk’ - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/65a1913caa11f338c3142d90/9046c14f-486c-4360-abb8-9e2cc41cc844/Sequencing+Risk+2.png Blog - Understanding and managing ‘sequence risk’ - Make it stand out Figure 2: Managing sequence risk through process | Source: Albion Strategic Consulting https://www.therichesreport.com/blog/which-country-will-outperform-heres-why-it-shouldnt-matter monthly 0.5 2025-03-06 https://images.squarespace-cdn.com/content/v1/65a1913caa11f338c3142d90/90b5a3ac-aa13-447e-9814-e6ccb85e53b1/Screenshot+2025-03-03+161839.png Blog - Which Country Will Outperform? Here’s Why It Shouldn’t Matter. - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/65a1913caa11f338c3142d90/f8a2fad2-7518-43ec-a72f-d84203277ac3/Patchwork.png Blog - Which Country Will Outperform? Here’s Why It Shouldn’t Matter. - Make it stand out Most Favored Nations Annual returns for developed markets, ranked (2005-2024) https://www.therichesreport.com/blog/tariffs-and-stagflation monthly 0.5 2025-03-05 https://images.squarespace-cdn.com/content/v1/65a1913caa11f338c3142d90/f1573085-bde3-4e6c-b663-2b57a3d2eb6e/Stagflation.jpeg Blog - Tariffs and Stagflation - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/65a1913caa11f338c3142d90/f0ffdcc8-4f75-4540-9c99-9ca49d649fd4/tariffs-and-stagflation_e1.png Blog - Tariffs and Stagflation - Make it stand out Annual Inflation, GDP Growth, and Real S&P 500 Index Returns 1930–2024 https://www.therichesreport.com/blog/controlling-your-reptilian-brain monthly 0.5 2025-03-04 https://images.squarespace-cdn.com/content/v1/65a1913caa11f338c3142d90/d118a1a9-5736-444d-8b76-3c55f291b555/Reptillian+Brain.png Blog - Controlling Your Reptilian Brain - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/65a1913caa11f338c3142d90/b7f6c148-0eb5-4640-9962-105f60e9983e/Reptillian+Brain.png Blog - 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