In my 22 years as a financial adviser, I’ve noticed something about the rhythm of life, business, and even investing: we all move through cycles. Roughly seven years at a time. Rudolf Steiner was an Austrian philosopher and social reformer who developed the idea of seven-year cycles as fundamental stages of human development, each marked
Spoiler alert: The best, short-term investments are actually savings strategies: a simple savings accounts for money needed soon, term deposits for medium-range goals, and offset or revolving credit mortgages for homeowners. Each option protects your money, while optimising the returns for the timeframes you have to work within. Does Timeframe Really Matter? Every dollar held
Why Focus and Effort Trump Easy Paths In a world mesmorised with the mirage of effortless wealth or returns without risk, it’s worth pausing to ask: can genuine, transformational wealth still come from work hard and focus? With record amounts of cash sitting idle in bank accounts and property markets showing signs of strain, many
When Process Trumps People. There’s a special kind of regret that comes only after you’ve made a parenting call that would make your own mother shake her head. Picture this: a holiday, a bit of nostalgia, and a couple of shiny metal cap guns for the kids (because, of course, the best souvenirs are the
We can all do better, if we start investing according to our age. Like teaching your kids about money though, it's easier said than done. 1. Engaging Kids in Investing: Fun vs. Tax Efficiency Let’s be honest: the easiest way to get kids excited about investing is to let them buy a slice of something they
You don't have to be vegetarian to try the salad, and you don't have to be an extremist to listen to extreme views. There’s a certain discomfort that comes from peering over the edge—especially when the abyss you’re staring into is the global financial system. Entertaining “fringe” ideas like a debt collapse, fiat failure, or
Two Ways to Wealth for Everyday Investors A couple of weeks ago, I found myself in Las Vegas, not for the slots or the shows, but to hear Michael Saylor—the guy who turned MicroStrategy from a respectable $1.6 billion company in 2020 into a $75 billion Bitcoin juggernaut—talk to over 30,000 fans about wealth. His
To find truth, remain open-minded until you find it - then hold on tight. For everyday people struggling to get ahead in a system that feels rigged, the path to financial security does not in fact, come from getting the degree, working hard, and trying to be liked. That's the old world. In the new
These three groups have the ability to influence your wealth significantly, but they all hold secrets: Financial advisers, product manufacturers, and regulators. At an organisational and individual level, incentives abound in each of these three groups. Incentives which may or may not be aligned with yours. Each group contains imperfect people, working in their part
Is Wall Street Crashing Main Street, or Is Main Street Crashing Wall Street? In a recent conversation with Rupert Carlyon, Managing Director at koura Wealth, we talked about the volatile interplay between Wall Street and Main Street, sparked by a dramatic 9.5% surge in the S&P 500—the largest daily rise since 2008. This market upheaval
