Our knowledge area is dediacated to helping you to Fund Your Retirement. Discover articles, substance and level up your abilities in financial independence and retirement success.

In this knowledge area page you will get to learn about different principles of the retirement prosperity and financial self sufficiency…. 

Fund Your Retirement knowledge area is an online resource built for a rapidly changing world

You may have noticed that the retirement model has changed.
Welcome to the new retirement model, a model which puts you in control of your own growth and prosperity.

This knowledge area is dedicated to helping you Fund Your Retirement. In this area you can find articles, and content, and level up your skills in financial self-sufficiency and retirement prosperity.

The five key principles for retirement prosperity and financial self-sufficiency

Clarity & Control

The ability to get clear on where you are now, and where you need to be. Develop the confidence to achieve your targets and become an effective self-reliant individual.

Strategy & action

The ability to strategise and plan your way to financial self-sufficiency with clear steps on how to achieve it. Turn the information into action, turn your goals and ambitions into reality.

Investing & Trading

The ability to generate income and build long term wealth for you and your family from global currencies, stocks, commodities and shares.

Income Producing Assets

The ability to generate a regular income for yourself after expenses, such as but not limited to, rental properties, stocks, bonds, global currencies, land and business.

Entrepreneurship

The ability to turn problems into solutions, productise them or even offer them as a service and scale up while helping others in the process.

Knowledge Area

Cost of waiting to invest

What Is The Cost of Waiting To Invest?

Most of the financial news I have been reading lately has been focused on reasons a person might want to sell their equities: Today I’d like to talk about something that is incredibly important for everyone to understand. When it comes to building wealth, the biggest cost you will face is the cost of waiting to invest. I don’t think the enormity of this cost is appreciated by most people, which is why I am going to quantify it for you. There will always be an event, or in some cases just an overblown theory, that will serve as a reason to believe it is the end of the world as we know it, a reason to just stay on the sidelines and avoid any but the safe haven dujour.

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September 26, 2022 No Comments

How to Guard Against Systemic Dividend Decline

One of the biggest risks an income-oriented investor faces is a large decline in dividend income. There are different approaches used to mitigate such a risk. In this article, I will share with you how to guard against systemic dividend decline. One popular approach is to carefully screen dividend stocks and only invest in those which satisfy certain income and balance sheet requirements (e.g. dividend coverage ratio, free cash flow growth, etc.). Another approach is to select from a list of stocks that have had a stellar track record of dividend payments such as the Dividend Aristocrats and Dividend Kings.

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August 25, 2022 No Comments

Should Gold Be Considered The Default Position For Any Holder of Wealth?

As Benjamin Graham has stated “An investment operation is one which, upon thorough analysis, promises safety of principal and a satisfactory return. Operations not meeting these requirements are speculative.” In this article, I hope to convince you that because of repeated changes to the definition of “the dollar” one cannot ever be 100% satisfied that the lending of “dollars” is an investment operation. This inflation in the currency supply may not affect the prices of all goods and services uniformly, and many goods will not climb at a rate of 7.5% per year due to enhancements in productivity, but the inflation effect is very real leading to the conclusion that the only truly valid unit of account in today’s world are ounces of gold and ounces of silver, s,o should gold and silver in hand be considered the default position for any holder of wealth?

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July 7, 2022 No Comments

Stocks are Quite Overextended, but…

Given this short-term uncertainty, a logical question arises: “how much of my portfolio should I keep in cash?” This is an excellent question and one that can be informed by some mathematical evaluation. I say “informed” because mathematical models cannot precisely predict the future. They can, however, help guide our decision-making. Today I am going to discuss how I view the cash vs. stocks decision. I’m going to leave out the discussion of gold (for now). The benefit of this article to you should be to give you some ideas of a general framework you can use to shape your own decision-making.

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May 23, 2022 No Comments

Generating Low Risk Returns in a Zero Interest Rate World

How to generate safe returns in a world where it seems the central banks want to push us into risky assets. I think you’ll agree with me that with a little creativity some decent inflation-busting returns can be generated without risking taking a bath in the next bear market in stocks or real estate crisis (without a doubt the next crisis is coming, we just can’t predict when or how severe).

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May 17, 2022 No Comments

Which is Better, Massive Diversification or High Dividend?

In this post, I am going to compare the results of withdrawal policies applied to two different portfolios consisting of equities and gold. The first portfolio will center around one of the largest positions in my portfolio, VYM, which is the Vanguard ETF that tracks the FTSE US High Dividend Yield Index.

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May 17, 2022 No Comments

What is DeFi (decentralised finance)

DeFi stands for decentralised finance on blockchain technology that does not rely on centralised institutions to facilitate transactions. DeFi utilises smart contracts, decentralised apps (dApps)

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June 29, 2021 No Comments