The Subtle Investor

Beginner

How I Finally Started Investing (and Why It Took So Long)

why investing took me so long

Despite working in finance since 2011, I hesitated to invest my own money, held back by fear and imposter syndrome. It wasn’t until I saw this one thing in real portfolios that I realized what I was missing out on. Coming from an ethnic minority background, where investing wasn’t a common practice, I knew I had to break the cycle. Here is why it took me so long and how I overcame my fears and embraced investing as the key to long-term wealth building.

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Three ways to pay less tax on savings

Paying less tax on savings

My monthly mortgage cost doubled. But I also got ~5% pay increase from my employer along with securing a savings rate of 4% with my bank. But all this followed a painful inflation rate hitting 11.1% in 2022 and interest rate hike to its highest since the GFC.

All of these significantly increased the amount of taxes I am paying – I needed to actively do something. Here’s what I did.

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Why high inflation won’t last for too long

High inflation remains one of the most cited concerns for policymakers and consumers like me and you. With large inflation prints coming out month after month, there’s no surprise that it is making everyone a little uneasy.

But I am here to explain why inflation figures are likely come down around mid next year and remain low over the long-term.

This is not just my personal view, but the view shared by all the heads of central banks in the UK, Europe, and US, plus the IMF.

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How to invest during inflation and manage finances

There is a reason why inflation is known as the “Silent Killer”. It creeps up and takes away your purchasing power over time. Inflation has been under the limelight so far this year and why wouldn’t it be? Consumer Price Inflation (CPI) have risen to 5.4% year-on-year last month in the US, compared to the Central Bank’s average 2% target. In the UK, the number stands at 2.4%. Don’t underestimate the intensity of this little number which affects everything – from individuals to countries and then rest of the world!

This post is all about our current level of high inflation and whether it will remain high for a long time. If so, how should we invest during inflation and what it will mean for our finances? 

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How to invest when market is high

how to invest when market is high

Finding confidence to invest when the market is high does not come easy. Seeing the stock market reaching for the moon looks scary. And it’s normal to question yourself: Should I really be investing now that the market is high?
Well take a read here as I share 3 tips on investing during high markets. I also back my views with data revealing that investing at market highs can actually be….erm BETTER!

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