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Malcolm Wheatley

Recent Articles

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Investing Articles

Could popular index trackers derail your retirement?

| Malcolm Wheatley

Betting your retirement plans on the Magnificent Seven is fine if that’s what you want to do — but don’t…

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British union jack flag and Parliament house at city of Westminster in the background
Investing Articles

Could Labour actually be good for your wealth?

| Malcolm Wheatley

It’s early days, granted, but the signs are positive. A FTSE 100 re-rating — upwards — could be on the…

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Portrait of elderly man wearing white denim shirt and glasses looking up with hand on chin. Thoughtful senior entrepreneur, studio shot against grey background.
Investing Articles

What makes for a good investor?

| Malcolm Wheatley

Good investing isn’t so much about brilliance, as discipline.

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ISA Individual Savings Account
Investing Articles

The tax-free route to millionaire portfolios

| Malcolm Wheatley

• Although annual ISA subscriptions are capped, ISAs are an undoubtedly serious wealth-building tool: you can build serious wealth.

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Investing Articles

Will a longer-term mortgage jeopardise your retirement?

| Malcolm Wheatley

Monthly stock market investments, over the long term, can build up a portfolio designed to pay off those mortgages on…

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Portrait of elderly man wearing white denim shirt and glasses looking up with hand on chin. Thoughtful senior entrepreneur, studio shot against grey background.
Investing Articles

The investing question that many don’t ask

| Malcolm Wheatley

Being diversified means looking at different sectors, and different countries: London is just 3% of the global equity market.

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happy senior couple using a laptop in their living room to look at their financial budgets
Investing Articles

Investing freedom — but inside a pension

| Malcolm Wheatley

Strapped consumers might be cutting back on investing, but they’re still keeping up their pension contributions. The only problem? A…

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A senior group of friends enjoying rowing on the River Derwent
Investing Articles

The Great Capital Gains Tax Grab starts now

| Malcolm Wheatley

The CGT threshold was £12,300. Now it’s £3,000. Invest in gold coins and UK gilts, instead? I don’t think so.

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Front view photo of a woman using digital tablet in London
Investing Articles

Don’t mourn London’s woeful performance — exploit it

| Malcolm Wheatley

Global markets have rocketed to all-time highs, as inflation worries ease. London is a rare exception — the Footsie’s peak…

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Older couple walking in park
Investing Articles

Retirees are paying frightening amounts of tax. Don’t join them

| Malcolm Wheatley

From April, the dividend tax allowance is a miserly £500. Tax-sheltered investment accounts have never been a smarter move.

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Investing Articles

When cheap markets meet favourable conditions, sentiment flips very quickly

| Malcolm Wheatley

London’s stock market is cheap — some sectors, even cheaper. Given a change in sentiment, the uprating could be substantial.

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Female florist with Down's syndrome working in small business
Investing Articles

Why invest? Freedom, that’s why

| Malcolm Wheatley

Investing is often seen in terms of goals such as retirement. But there’s another significant opportunity on offer: financial independence,…

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2024 year number handwritten on a sandy beach at sunrise
Investing Articles

Will 2024’s nervous markets throw up decent bargains?

| Malcolm Wheatley

A quarter of the world’s population is going to the polls this year -- including elections in America, the UK,…

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Midnight is celebrated along the River Thames in London with a spectacular and colourful firework display.
Investing Articles

Three investing resolutions for 2024

| Malcolm Wheatley

Broken any New Year resolutions yet? Most people find them difficult to stick to. But why wait for New Year?…

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2023 concept with upwards-facing arrows overlaid on a hand with one finger raised, pointing up
Investing Articles

For wealth-builders, a (thankfully) better year than it might have been

| Malcolm Wheatley

Personally painful for many, 2023 at least saw no financial dramas. Markets helpfully registered modest rises.

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Photo of a man going through financial problems
Collective

Selling your duds isn’t ‘failing’

| Malcolm Wheatley

Most of us have a cultural aversion to quitting. But that can cloud rational decision-making. Sometimes, quitting a position can…

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Investing Articles

Thanks, Mr Hunt: three welcome ISA changes

| Malcolm Wheatley

As an investment wrapper, ISAs have a lot to offer. But chancellors love tweaking them, making them even more attractive.…

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Aerial view of York downtown at night
Investing Articles

In adversity, lie opportunities

| Malcolm Wheatley

“Buy when there’s blood on the streets” is certainly one strategy — but opportunities are often more frequent.

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Man thinking about artificial intelligence investing algorithms
Investing Articles

Data-driven investing

| Malcolm Wheatley

You have an investment strategy of some sort. But is it succeeding — and how do you know? Even if…

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Young female business analyst looking at a graph chart while working from home
Investing Articles

Do plunging bond markets offer an opportunity?

| Malcolm Wheatley

The bond market is in free fall. Higher-than-usual yields, and possibly tax-free capital gains, are on offer for those prepared…

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Frustrated young white male looking disconsolate while sat on his sofa holding a beer
Investing Articles

Finance for the faint-hearted: disentangling financial ratios

| Malcolm Wheatley

You don’t ‘get’ all those numbers? You’re not alone: plenty of other investors don’t ‘get’ them either. Don’t be put…

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Long-term vs short-term investing concept on a staircase
Investing Articles

Diversify faster, with investment trusts

| Malcolm Wheatley

Tradable just like shares, investment trusts have long offered instant diversification and lower costs than funds. If trusts aren’t already…

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Young Black woman looking concerned while in front of her laptop
Investing Articles

The hidden downside to using investment platforms

| Malcolm Wheatley

Investment platforms have revolutionised investing, enabling millions to take the plunge. But in terms of enabling shareholder participation and monitoring,…

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Close up of a group of friends enjoying a movie in the cinema
Investing Articles

Shareholder perks: still out there, still worth having

| Malcolm Wheatley

Some companies offer shareholder benefits beyond the dividend. It varies from company to company, but such benefits can be well…

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Three signposts pointing in different directions, with 'Buy' 'Sell' and 'Hold' on
Investing Articles

When to sell, and when not

| Malcolm Wheatley

The evidence suggests that many investors get selling wrong. Disciplined when buying, they’re more impulsive when selling. It can be…

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Happy young female stock-picker in a cafe
Investing Articles

The value of a different perspective

| Malcolm Wheatley

Relying only on viewpoints that mesh with your own can be dangerous. Better by far to seek out different perspectives:…

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British union jack flag and Parliament house at city of Westminster in the background
Investing Articles

Fight your corner: investor taxation has gone too far

| Malcolm Wheatley

It’s not just dividend taxation that takes a bite out of investors’ returns — stamp duty does so, as well.

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Young black colleagues high-fiving each other at work
Investing Articles

How well are your investments performing?

| Malcolm Wheatley

Are you beating the Footsie? • There’s now no shortage of portfolio-tracking tools, often available for free.

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photo of Union Jack flags bunting in local street party
Investing Articles

Bank of England to Britain: “Don’t ask us, we’re clueless”

| Malcolm Wheatley

The Bank of England’s rare talent for finding banana skins has struck again – twice. Accept that we’re poorer? No…

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Typical street lined with terraced houses and parked cars
Investing Articles

Royal Mail’s privatisation, 10 years on

| Malcolm Wheatley

It’s almost ten years since Royal Mail was privatised. The outcome has — so far — been a rare achievement:…

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Young black colleagues high-fiving each other at work
Investing Articles

7 rules for investing success

| Malcolm Wheatley

It’s not that Buffett’s wrong — it’s that he’s not prescriptive enough... Seven rules guide investing success: follow them, and…

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Edinburgh Cityscape with fireworks over The Castle and Balmoral Clock Tower
Investing Articles

So is now the right time to invest?

| Malcolm Wheatley

Economic headwinds are easing. So should investors commit fresh funds to the stock market? Such calls are rarely straightforward. But…

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Calendar showing the date of 5th April on desk in a house
Investing Articles

3 investing resolutions for the new tax year

| Malcolm Wheatley

The UK ‘tax take’ is rocketing upwards — with investors being clobbered several ways. But things get even worse from…

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A Black father and daughter having breakfast at hotel restaurant
Collective

Can you really afford to retire seriously early?

| Malcolm Wheatley

Forget 66 or so: for the FIRE crowd, early retirement means retiring in your 40s or 50s. The problem: what…

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Young Black woman using a debit card at an ATM to withdraw money
Investing Articles

Teetering banks spook investors

| Malcolm Wheatley

Are we headed for 2007, 2008, or something else? No one knows. Banks may look cheap, but are probably bargepole…

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Mature couple at the beach
Investing Articles

How to spot a share price bargain

| Malcolm Wheatley

Finding cheap shares involves sieving through an awful lot of data, on an awful lot of companies. Focus on the…

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The Mall in Westminster, leading to Buckingham Palace
Investing Articles

The Footsie hits an all-time high — but don’t celebrate

| Malcolm Wheatley

The FTSE 100 has hit an all-time high of 7,902. But appearances are deceptive. The sagging pound does a lot…

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Middle-aged white man pulling an aggrieved face while looking at a screen
Investing Articles

If you don’t understand it, don’t invest in it

| Malcolm Wheatley

Simple and straightforward financial accounts are often associated with simple and straightforward business models — and with simple and straightforward…

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Collective

3 easy-to-keep investment New Year Resolutions

| Malcolm Wheatley

These resolutions won’t make you slimmer, fitter, or faster — but they should improve your investment performance.

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Happy young plus size woman sitting at kitchen table and watching tv series on tablet computer
Investing Articles

Do optimists generate superior returns?

| Malcolm Wheatley

Many investors are biased towards the negative. But, believe it or not, things are getting better.

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