7 Circles - your heavenly path through investment hell

how much is enough

How Much is Enough? (Revisited)

My first reaction when I picked up the Metro free paper last week was that we must have imported another American holiday while I wasn’t looking. I knew it wasn’t...

autumn statement

Autumn Statement 2014

Here’s my reaction to yesterday’s Autumn Statement by the Chancellor, and its impacts on 7C investors. Trapped in my mansion I’m a fan of Osborne and his handling of the...

VCT investor seminar

NVM VCT Seminar, November 2014

A Venture Capital Trust (VCT) is probably the best tax-efficient investment after pensions and your house. I was a big fan until Gordon Brown’s pension reforms around 10 years ago meant...

Weekly roundup for UK DIY investor

Weekly Roundup, 2nd December 2014

Closet trackers part 2 Today’s weekly roundup begins as do so many with Merryn’s column in the FT, where she followed up on last week’s piece about active funds, and...

US Stocks for UK DIY investors

US Stocks for UK DIY Investors

I have not been a direct investor in US stocks since the dot-com boom (or rather the bust) in 2000, but there have been significant advances in trading technology since...

World Money Show

World Money Show London, November 2014

A couple of weeks ago I made it over to the Queen Elizabeth II conference centre opposite Parliament, for the annual World Money Show London. It’s a two-day event which...

Broker costs

Broker Costs

This is a preliminary post comparing the basic data for a representative selection of UK brokers. I’ll use this data to draw up a short list of promising candidates to be...

Deal size

Deal Size

Now that we know what the pattern of contributions over time looks like for our 7C investors, we need to decide on a deal size in order to work out how...

Weekly roundup for UK DIY investor

Weekly Roundup, 24th November 2014

Active funds – costs and closet tracking Today’s weekly roundup begins with Merryn’s column, which looked at a report from Cass Business School on some of the problems with active funds. The first...

Pension contributions

Contribution patterns

Now that we have calculated how much each of our example investors must contribute over their lifetimes, we need to decide when those contributions should be made – what are...

Weekly roundup for UK DIY investor

Weekly Roundup,
18th November 2014

This week, there was a lot of attention in the papers and online about the consequences of the falling oil price. I will return to this in a later post....

SIPP vs ISA

SIPPs vs ISAs

SIPPs vs ISAs: why you need both, and which one is most useful to the long-term DIY investor in the UK.