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Monevator

@monevator.bsky.social
556 followers 17 following 291 posts

All about money and investing monevator.com

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Monevator @monevator.bsky.social · 07/10/2026
How our model passive portfolio is doing well despite the biggest bear market for bonds in the history of US/UK markets… monevator.com/the-slow-and...
monevator.com
The Slow and Steady passive portfolio update: Q3 2026 - Monevator
Bonds blew up, but the portfolio didn't…
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Monevator @monevator.bsky.social · 03/10/2026
The triple-lock tweaked, plus all the best money and investing reads including @awealthofcs (three times!), @RubinJMiller @financialsamura @drorpoleg @jasonzweigwsj @mrmoneymustache @TimHarford @paulkrugman and many, many more! monevator.com/weekend-read...
monevator.com
Weekend reading: State Pension to fall out of lock step - Monevator
The end of the triple lock for pensions, plus all the other money and investing reads…
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Monevator @monevator.bsky.social · 30/09/2026
Our updated guide to help you find the best online broker for your situation monevator.com/find-the-bes...
monevator.com
Our updated guide to help you find the best online broker
Are you looking to find the best online broker to invest in shares, funds, and other assets? Our guide covers all you need to know.
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Monevator @monevator.bsky.social · 25/09/2026
Just because the money has effectively fallen out of the sky, that doesn’t mean you should flush it down the toilet. monevator.com/why-you-shou...
monevator.com
Why you should invest an inheritance in a pension - Monevator
When you invest an inheritance in a pension, you greatly increase the value of the legacy and help secure your later years.
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Monevator @monevator.bsky.social · 18/09/2026
How one man travelled the world on a bicycle *before* he achieved financial independence… monevator.com/fire-side-ch...
monevator.com
FIRE-side chat: travelling and arriving - Monevator
Pablo of the FIRE Exit blog reached very early retirement despite traveling the world on bike and discovering investing late.
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Monevator @monevator.bsky.social · 11/09/2026
You can only spend your money once, so use it where it counts. monevator.com/money-is-pow...
monevator.com
Money is power - Monevator
Money and memories might seem to go together like fish and computer chips. But money is power, and if you can only spend (discharge) it once
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Monevator @monevator.bsky.social · 05/09/2026
Are government bond buyers starting to wonder who will pay the taxes to repay them in an AI-dominant future? Plus all the week's best money and investing reads! monevator.com/weekend-read...
monevator.com
Weekend reading: are bonds discounting a robot revolution? - Monevator
Who will pay our debts? Plus all the week's best money and investing reads…
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Monevator @monevator.bsky.social · 01/09/2026
Much more here: monevator.com/paying-off-y...
monevator.com
Paying off your mortgage with your pension - Monevator
Paying off your mortgage with your pension can be a highly tax-efficient strategy, but it's not without risks.
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Monevator @monevator.bsky.social · 01/09/2026
Planning to pay off your mortgage with your pension might be the antithesis of FIRE orthodoxy, but the tax benefits can make it a compelling strategy…
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Monevator @monevator.bsky.social · 28/08/2026
On walking into retirement… monevator.com/the-way-or-w...
monevator.com
The way. (Or, why we invest) - Monevator
Walking in retirement doesn't fit the stereotype of jetting to Machu Pichu or blowing the kids inheritance, but the rhythm is appropriate.
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Monevator @monevator.bsky.social · 13/08/2026
Buy-to-let now requires skill, and that's a challenge for many long-time landlords… monevator.com/buy-to-let-t...
monevator.com
Buy-to-Let: the landlord trap tightens - Monevator
The new buy-to-let rules make it harder than ever to generate a decent return as a landlord. There are easier investments out there.
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Monevator @monevator.bsky.social · 12/08/2026
Thanks Carl. (Been away from here for a bit!)
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Monevator @monevator.bsky.social · 01/08/2026
Would you be happy handing over the reigns of your portfolio to a robot? Plus all the week's best money and investing reads! monevator.com/weekend-read...
monevator.com
Weekend reading: Buckle up for self-driving portfolios - Monevator
I(SA) robot, plus the week's best money and investing reads…
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Monevator @monevator.bsky.social · 23/07/2026
Show me the money! monevator.com/how-investme...
monevator.com
How investment trust discounts can boost your long-term income - Monevator
Buying good investment trusts on a discount for income can lock in a higher yield for the long-term, boosting your return.
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Monevator @monevator.bsky.social · 21/07/2026
The case for having a bit on the side monevator.com/its-an-emerg...
monevator.com
Emergency fund (UK) – how much to save, where to keep it, and when to use it
How much should you have in your emergency fund, how should you use it, and where should you keep it safely tucked away?
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Monevator @monevator.bsky.social · 18/07/2026
Note that everyone can still read these popular posts, but if you're not a Monevator member you'll need to subscribe to our newsletter to do so over email rather than on the website: monevator.com/subscribe/
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Monevator by email
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Monevator @monevator.bsky.social · 18/07/2026
Our latest weekend reading post featuring all the best investing and money reads of the week is up: monevator.com/weekend-read...
monevator.com
Weekend reading: Will the last company to leave the LSE please turn off the lights? - Monevator
What caught my eye this week. This week saw Rotork and Gooch and Housego fall… Weekend Reading – featuring the week’s best money and investing articles from around the web – can be read by any logged-...
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Monevator @monevator.bsky.social · 17/07/2026
Fill 'er up! (The ISA, that is, not the petrol tank…) monevator.com/cost-of-car-...
monevator.com
Counting the cost of car ownership - Monevator
Car ownership costs quickly add up, especially when you take depreciation into account. Could you make lifestyle changes to soften the bill?
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Monevator @monevator.bsky.social · 17/07/2026
How the funds that active managers love to hate actually work monevator.com/how-index-tr...
monevator.com
How index trackers work – index funds explained - Monevator
Index trackers are a kind of fund that seeks to replicate the performance of a benchmark index. They tend to beat active funds over time.
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Monevator @monevator.bsky.social · 07/07/2026
Our ongoing quest to find a 60/40-ish portfolio that can do well even when bonds don't for decades… [Members] monevator.com/60-40-dilemma/
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Monevator @monevator.bsky.social · 06/07/2026
In case your weekend was derailed by the England game, here's our Weekend Reading money and investing links to get you caught up again monevator.com/gen-z-pensio...
monevator.com
Weekend reading: No age pensioners - Monevator
Gen Z fears the won't see the state pension by the time they're due to claim it. Who can blame them, given the world they see?
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Monevator @monevator.bsky.social · 01/07/2026
How much do you want to bet that it's different this time? monevator.com/help-my-pass...
monevator.com
Help! My passive fund is aggressively US tech focused - Monevator
Given the boom, it's no surprise AI and world trackers are now joined at the hip. But is huge AI exposure the way to invest for retirement?
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Monevator @monevator.bsky.social · 25/06/2026
Do you know how your platform should be doing business? Will that even help if the worst happens? monevator.com/surviving-pl...
monevator.com
Surviving platform fraud or fiasco - Monevator
Your investments on regulated platforms should be protected by various rules and best practices, but what happens with fraud or incompetence?
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Monevator @monevator.bsky.social · 02/06/2026
"Freeze! Give us more of your income and nobody has to get hurt!" monevator.com/tax-brackets...
monevator.com
UK tax brackets and personal allowances
The thresholds for the personal allowance and income tax brackets determine how much of your pay you actually get to take home after tax.
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Monevator @monevator.bsky.social · 27/05/2026
The industry standard 60/40 is an easy option based on the historical record, but those averages smooth out some particularly poor periods… The snag? Such periods look quite a bit like today! monevator.com/the-60-40-po...
monevator.com
The 60/40 portfolio's glaring weakness - Monevator
The 60/40 is a simple solution for asset allocation – but it may be too simple given the wide range of conditions investors could face.
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Monevator @monevator.bsky.social · 19/05/2026
Or: what do asset class return tables and Rotten Tomatoes consensus scores have in common…? monevator.com/how-returns-...
monevator.com
How returns can lead us astray - Monevator
Misleading returns can give us the wrong idea about the long-term performance of an asset class, and its role in your portfolio.
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Monevator @monevator.bsky.social · 14/05/2026
How slow can you go? monevator.com/this-time-ne...
monevator.com
This time next century, we'll be billionaires - Monevator
To become a billionaire you just need to invest in the best stock market without paying fees, taxes, or for coffee, and then live to 100 and
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Monevator @monevator.bsky.social · 07/05/2026
The rule of 300 simplifies retirement planning down to a two number solution monevator.com/the-rule-of-...
monevator.com
Using the Rule of 300 to estimate how much money you need for financial freedom - Monevator
The Rule of 300 is a handy shortcut to estimate how much money you need to pay for life's essentials and luxuries in retirement.
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Monevator @monevator.bsky.social · 02/05/2026
All the money and investing links you need to get you through the long weekend! monevator.com/weekend-read...
monevator.com
Weekend reading: Sunny side up - Monevator
Solar power is getting more accessible as well as more appealing. Plus all the week's best money and investing reads…
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Monevator @monevator.bsky.social · 30/04/2026
We've compiled what we think is the first index to track the realistic return that ordinary investors could have got over the long-term from cash in the bank. The takeaway? It's not pretty… monevator.com/cash-total-r...
monevator.com
Cash total returns: a long run index for DIY investors - Monevator
Our new cash index reveals what a suitably savvy private investor could have made from their money in the bank.
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Monevator @monevator.bsky.social · 23/04/2026
What might have been and what shouldn't have been… monevator.com/regrets-ive-...
monevator.com
Regrets, I've had a few - Monevator
Coulda, woulda, shoulda invested differently…
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Monevator @monevator.bsky.social · 21/04/2026
Stop mucking around and start *investing* monevator.com/index-invest...
monevator.com
Five reasons why you’ll love index investing - Monevator
Index investing provides a cost-effective way to build a well-diversified investment portfolio with an easy-to-understand strategy.
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Monevator @monevator.bsky.social · 16/04/2026
If you're lucky enough to have any spare cash to save these days, then the market is rewarding you for hunting out the better rates right now… monevator.com/best-savings...
monevator.com
Best savings account rates - Monevator
Savings rates have been dire, but it seems as though competition for saver's cash is hotting up. So, which savings account is right for you?
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Monevator @monevator.bsky.social · 14/04/2026
Our model passive portfolio runs into the Iran war monevator.com/the-slow-and...
monevator.com
The Slow and Steady passive portfolio update: Q1 2026 - Monevator
War is not good for our model portfolio
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Monevator @monevator.bsky.social · 09/04/2026
You haven't missed much if you stuck with gilts since the 2022 bond market carnage, but on the other hand you also haven't seen a repeat performance – and that's instructive! monevator.com/gilts-hoping...
monevator.com
Gilts: hoping for the best, experiencing not the worst - Monevator
Gilt returns since 2022 have hardly shot the lights out, but they have at least shown how the reset from near-zero was a one-time gut punch.
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Monevator @monevator.bsky.social · 07/04/2026
A Monevator reader wrote: “I’m 100% invested in equities. I’m 56 and still think there’s time to accumulate and weather the roller coaster of global markets. Am I being foolish?” monevator.com/is-100-equit... [Member post]
monevator.com
Is 100% equities worth the risk? - Monevator
Running 100% equities in your portfolio might maximise your potential returns, but the risks of a crash are personal not theoretical.
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Monevator @monevator.bsky.social · 04/04/2026
"…how utterly corrosive and corrupting it is: as with depicting judges as ‘enemies of the people’ and civil servants as ‘saboteurs’, the Brexitists are determined to destroy every last vestige of trust in public institutions." chrisgreybrexitblog.blogspot.com/2026/04/bad-...
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Monevator @monevator.bsky.social · 04/04/2026
For most pensioners, the 4% rule might as well be about the probability of aliens visiting Earth, for all its relevance to their finances and lifestyles Plus the week's best money and investing reads – and a heads-up re: these weekly links in the future monevator.com/weekend-read...
monevator.com
Weekend reading: our rare breed pensioners, and how to read these links in future - Monevator
Please see the end for a note on the future of Weekend Reading. Living in an investing and financial independence bubble – researching both all week, talking to FIRE-d contributors and readers, and oc...
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Monevator @monevator.bsky.social · 02/04/2026
This is 4D chess like flipping the board is 4D chess www.brookings.edu/articles/the...
brookings.edu
The Iran conflict's energy shocks are not yet fully realized | Brookings
The perceived risk in oil markets will change after the conflict; the world can’t go back to the time before the war.
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Monevator @monevator.bsky.social · 02/04/2026
Hope you bagged your next mortgage in the Christmas sales… monevator.com/remortgaging...
monevator.com
Remortgaging: why delaying a phone call can cost you more than a car - Monevator
Delaying remortgaging by just a few months can easily cost you several thousands of pounds. So work the market, and do your sums.
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Monevator @monevator.bsky.social · 31/03/2026
A global tracker fund takes care of all your equity diversification needs in a single investment product. monevator.com/best-global-...
monevator.com
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Monevator @monevator.bsky.social · 28/03/2026
We expect more from NS&I, plus all the week's best money and investing reads monevator.com/weekend-read...
monevator.com
Weekend reading: National scandal - Monevator
What caught my eye this week. Considering the high hurdle that politicians and business leaders have set themselves for something to be considered a sacking offence, I was surprised to see the boss of...
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Monevator @monevator.bsky.social · 24/03/2026
Much of the time you'll hate being long commodities. But at times like now you'll be grateful / feel like a genius! monevator.com/commodities-...
monevator.com
Commodities are working - Monevator
It's often the case that commodities work when equities falter, which makes them a potentially excellent portfolio diversifier.
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Monevator @monevator.bsky.social · 21/03/2026
The Iran war catches up with markets, plus all the week's best money and investing reads… monevator.com/weekend-read...
monevator.com
Weekend reading: Dire Straits - Monevator
War fever, plus the rest of the week's good reads…
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Monevator @monevator.bsky.social · 20/03/2026
Not a good look when your market positioning is all about reliability, stability, and seriousness… www.bbc.co.uk/news/article...
bbc.co.uk
UK finance firm Hargreaves Lansdown hit by IT failure
The finance firm has apologised for the disruption to its website and app, which has angered many customers.
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Monevator @monevator.bsky.social · 19/03/2026
Individual index-linked gilts can seem to go a little crazy as they approach maturity… but do they? monevator.com/the-wild-las...
monevator.com
The wild last year of a linker - Monevator
Linkers go wild in the last year of their march towards maturing – or at least it can look that way. Here's what's going on.
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Monevator @monevator.bsky.social · 18/03/2026
Our unique real-time decumulation model portfolio makes its third year withdrawal… What will our hypothetical couple get to spend? [Member post] monevator.com/decumulation...
monevator.com
Decumulation strategy: year 3 withdrawal from the No Cat Food portfolio [Members] - Monevator
Will it be Whiskas or wagyu?
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Monevator @monevator.bsky.social · 14/03/2026
The best money and investing reads from around the web… monevator.com/weekend-read...
monevator.com
Weekend reading: What worked until it doesn't - Monevator
They've got the whole world in their hands! Plus the rest of the week's good money and investing reads…
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Monevator @monevator.bsky.social · 12/03/2026
Every little helps! monevator.com/cheapest-sto...
monevator.com
The cheapest stocks and shares ISA on the market - Monevator
What's the cheapest stocks and shares ISA in the UK? We reveal the runaway winner plus your alternative options.
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Monevator @monevator.bsky.social · 10/03/2026
Gold has been killing it for UK investors for *checks notes* 30 years (!) but its returns are highly sensitive to your chosen start date… monevator.com/gold-an-asse...
monevator.com
Gold: an asset for troubled times - Monevator
Not so mellow yellow…
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