What is a P/E ratio? The one number that tells you if a share is cheap

The Fed raised rates and the Bank of England held: what it means for UK investors

20 investing books worth your time

The money books I'd lend to a friend. Some of them aren't about investing at all.

Do I own Apple through an S&P 500 index fund? What Tim Cook's exit means for UK investors

Is 50 too late to start a pension?

No — and at 50 the pension deal is at its best. The tax relief, the numbers to 67, and why the lock-up you're worried about barely exists any more.

Do stock markets fall in midterm election years? What 45 years of data shows

Redundancy payout: should you save it or invest it?

What's tax-free, the pension move to sort before payday, and how much should stay in the bank while you look for the next job.

Financial adviser fees in the UK: what you'll actually pay (2026)

The going rates, the three layers of charges, and the number nobody quotes: the share of your growth the fees quietly take.

Global index fund vs S&P 500: which should a UK investor buy?

Two right answers and one expensive mistake. What each fund actually holds, what they cost, and the one I hold myself.

What to do with £50,000 sitting in savings in the UK

Split it into three jobs — spending, safety, growth — and stop paying the quiet cost of keeping it all in cash.

Can you lose all your money in a stocks and shares ISA?

The honest worst case, what the FSCS actually covers, and the three ways people really lose everything.

What did Warren Buffett buy in 2026? Berkshire's latest filing, explained

Why did Warren Buffett buy Alphabet? Berkshire's $10 billion bet, explained

ISA transfer rules: how to move your money without losing the tax break

Cash to shares, shares back to cash, platform to platform, and shares you already own. The rules, the timings, and what changes in April 2027.

Cash ISA vs Stocks and Shares ISA: which should your money be in?

One keeps money safe, the other grows it. The real numbers over 20 years, who should hold which, and what the 2027 Cash ISA cut changes.

How to invest in the S&P 500 from the UK (and why it's the first thing to buy)

One fund, one tax wrapper, one direct debit. The exact steps, the fund I actually hold, and the mistakes that cost people years.

SpaceX shares fell after strong first results — what it means for investors

How to transfer a Cash ISA to a Stocks and Shares ISA (without losing the tax wrapper)

Never withdraw the money yourself — use the official transfer process and the tax wrapper moves with it. The exact steps, what it costs, and how long it takes.

What to do with a £100,000 inheritance in the UK

Clear expensive debt, keep a cash buffer, invest the rest in a low-cost index fund inside an ISA and pension. The plain-English version, from someone with nothing to sell you.

Scared to invest your savings? The fear, taken seriously

The fear of losing everything deserves a straight answer, not a pep talk. The honest worst case, the risk nobody warns you about, and how to start without feeling brave.

Are financial advisers worth it? The £47,000 claim, examined

The industry's favourite number compares people who took advice with people who mostly stayed in cash — not with people who invest for themselves. What it really shows.

What a 1.5% adviser fee actually costs over 30 years

On £100,000, the invoices add up to £199,000 — but the real cost is £636,000. The maths, year by year, and where the difference hides.

Is it too late to start investing at 40?

No — and that's arithmetic, not a pep talk. At 40 you have 27 years to state pension age, and here's what they're worth.

Should I ditch my financial adviser and invest myself?

For most people with straightforward finances: yes, probably. What advisers really cost, what they genuinely do well, and how I left mine — from someone who did it.

VUAG vs VUSA: which S&P 500 ETF should I buy?

Same fund, same fee — the only difference is what happens to the dividends. The answer in two sentences, and the tax catch to know about.