Superb Diamond Range Podcast

Superb Diamond Range is a Edinburgh based podcast which discusses a wide range of topics from lifestyle to personal finance as well as interviewing guests such as JL Collins, Lars Kroijer, Bea Johnson, Frank Vasquez & Gerry Born. Interested in Finance or Freedom? And everything else under the sun? Superb Diamond Range is the podcast for you!

Bitcoin With Dinny (The Financial Series) | #53 | podcast | superb diamond range 07/17/2024

Bitcoin With Dinny (The Financial Series) | #53 | podcast | superb diamond range #53 Disclaimer: We are not financial advisors. The content on this podcast and YouTube videos are for educational purposes only and merely cite our own personal opinions. In order to make the best financial decision that suits your own needs, you must conduct your own research and seek the advice of a licensed financial advisor if necessary. Know that all investments involve some form of risk and there is no guarantee that you will be successful in making, saving, or investing money; nor is there any guarantee that you won't experience any loss when investing. Always remember to make smart decisions and do your own research! Welcome Dinny, please tell us a very brief little bit about yourself and your early career up until today and how you got started investing in Bitcoin? For someone that’s sceptical or doubtful about Bitcoin what would you say to them? Do you agree that the barrier to entry for Bitcoin although it’s improved allot is still tough for most people? An example of this would be telling someone you have this podcast online but they may not know how to access it via a podcast player well atleast this was the case a few years ago. I went from being interested in Bitcoin to losing interest and even at one point thinking all crypto was a scam. This has changed for me but what would you say to people with this type of attitude towards it to encourage them to at least get started? You talk allot about just doing a 4 year apprenticeship where you say start small and begin to accumulate more and more bitcoin and this allows you to learn tell us more about this? Something that always concerned me was the safety of holding bitcoin. We’ve all heard stories of people losing their passwords and phrases or their computer breaking. How can we safely hold bitcoin? In terms of exchanges is there an amount you would consider if you go above when it would be the right time to move to a online wallet or a physical hardware wallet? Say for example a 100 Euros/Pounds? For someone who chooses to ignore Bitcoin Vs someone who owns some or allot, how much are they missing out by not even starting? If you go down the traditional route at least in UK and Ireland of say Property and Pensions how much slower would it be compared to focusing more on Bitcoin? Do you think they’ll come a time when we can own real bitcoin (not bitcoin ETF’s or funds) in a tax shelter like a pension or ISA or do you think it will always be an after tax asset? As crypto is super volatile (which I realise is a positive for an accumulator dollar cost averaging in) even more so than traditional shares/equities how does it work when you are drawing down or in the preservation stage? Would you sell out most of the bitcoin into fiat and leave the rest invested? Where do you think traditional pensions have gone wrong? Is it the government meddling? The lock up? Before we close was there anything you can tell us about your company and the services you offer? Any final messages? www.bitcoinwithdinny.com | 087 905 21 55 | [email protected] /episode/index/show/superbdiamondrange/id/32186262

J.L Collins NH (The Financial Series) | #52 | Pathfinders: Extraordinary Stories of People Like You on the Quest for Financial Independence―And How to Join Them | podcast | superb diamond range #52 Disclaimer: We are not financial advisors. The content on this podcast and YouTube videos are for educational purposes only and merely cite our own personal opinions. In order to make the best financial decision that suits your own needs, you must conduct your own research and seek the advice of a licensed financial advisor if necessary. Know that all investments involve some form of risk and there is no guarantee that you will be successful in making, saving, or investing money; nor is there any guarantee that you won't experience any loss when investing. Always remember to make smart decisions and do your own research! This podcast features returning guest and legend of the financial indepence world J.L Collins. 1. Firstly, since the last time you were on the show you've released a new book 'Pathfinders' please tell my listeners a little about it and what inspired you to write it? 2. Jumping straight into investments, what are your thoughts on bonds these days? In the UK and no doubt around the world we've experienced allot of inflation and the central banks have responded by increasing interest rates do you still think some percentage of bonds are worth holding particularly during the preservation stage? 3. What are your thoughts on life styling portfolios or as Vanguard calls them target date funds or even the life strategy funds by Vanguard Vs DIY investing? 4. What is your opinion on annuities? 5. Are you still very much a believer of investing exclusively in the USA total market equity or would you consider adding some international equity for further diversification? 6. As a UK investor I am always tempted to buy an S&P 500 fund/ETF as the cost is very low at 0.07% Vs an international all world fund costing 0.22%. The international fund is 3x more expensive but I'm more diversified and the fund is slightly less volatile and returns are very good. How important are fund fees and keeping them as low as possible? 7. How important is diversification in investing? 8. Obviously I realise you can only speak from the US perspective of tax as you are not living in the UK but In the UK are two main tax shelters for investing are our pensions/SIPP's (in US 401k's/IRA's) or a stocks and shares ISA (in US Roth IRA) what is your preferred tax vehicle/shelter in the US and why? 9. Do you have any preferred strategies for drawing down a portfolio in retirement? Examples of this could be switching from accumulation funds to income funds to pay out a dividend quarterly. Timing of withdrawals? Keeping some cash for day to day expenses. 10. One thing I learnt from you is the importance of debt free living yet there are still allot of people out there who want to invest as much as they can before getting their debt cleared. Please explain why it makes so much more sense to get rid of debt before investing? 11. Talking about debt what are your thoughts on home ownership especially now with the high interest rate mortgages available? I call home ownership the main religion of UK and Ireland as it's very hard to stop people thinking of or following the script to buying a home when sometimes it may make more sense to rent. We have sayings like an English mans home is his castle and tons of property shows on the TV. 12. You wrote your blog the stock series to educate your daughter on investing who earlier in life had no real interest in it. There are not many people really into investing most don't even know they are an investor even if it's only through their workplace pension (401K) and couldn't tell you what they are invested in ie the fund. As the time has gone by has you daughter since taken up more of an interest in investing? 13. Any exciting future plans you'd like to share with the audience? Where is the best place my listeners can find you online. Please check out JL Collins blog/website here: Books: The simple path to wealth: Pathfinders: Extraordinary Stories of People Like You on the Quest for Financial Independence―And How to Join Them: How I lost money in real estate before it was fashionable - A cautionary tale: /episode/index/show/superbdiamondrange/id/29579803

Why I Quit Using My Smartphone (And switched it for a basic Nokia) | #51 | podcast | superb diamond range 04/10/2022

J.L Collins NH (The Financial Series) | #50 | The Simple Path to Wealth | podcast | superb diamond range 11/20/2021

J.L Collins NH (The Financial Series) | #50 | The Simple Path to Wealth | podcast | superb diamond range #50 Disclaimer: We are not financial advisors. The content on this podcast and YouTube videos are for educational purposes only and merely cite our own personal opinions. In order to make the best financial decision that suits your own needs, you must conduct your own research and seek the advice of a licensed financial advisor if necessary. Know that all investments involve some form of risk and there is no guarantee that you will be successful in making, saving, or investing money; nor is there any guarantee that you won't experience any loss when investing. Always remember to make smart decisions and do your own research! Tell us a very brief little bit more about yourself and your early career up until today and how you got started investing? I’ve heard mentioned in other podcasts that you picked individual company stocks in your early days before discovering index investing. Do you still like to pick individual companies these days? What would you say are the dangers investors should watch out for? When did you realise you were financially independent? How did it feel? I know you did an excellent video referencing a scene from remake of the movie The Gambler. My idea of how I’ll feel when I hit financial Independence is just like at the end of that movie where Mark Wahlberg puts everything on black on the roulette table, wins and pays off all his loan shark/debtors and goes for a never ending run around the block :) How did you come up with the idea to make this video? What is your view on Active vs. Passive investing? Your approach to investing has influenced, inspired so many people including myself how did you discover this approach this strategy? What are your thoughts on international investing vs going all in on the American market using either the S&P 500 or VTSAX (Vanguards total US market)? I know there is a Canadian approach to indexing possibly inspired by Bogle heads to invest and split 3 ways into Canada, USA and international, where as in the UK we just pick a global index fund that allocates and re-adjusts in the proportions of global GDP. Like I get being overweight in US if you’re a US resident who spends in US Dollars and with USA making up 55-60% of the global market but being say 33% in Canada seems like allot? Admittedly stock index from home countries are usually offered cheaper and may have tax advantages. Is being overweight in home market quite risky? Lets talk market crashes. It feels a long time since 2008 and it has been. Admittedly there was a wee correction in March 2020 but market soon bounced back. How do you handle these emotionally and stay focused to continuing investing? Also realizing the opportunity to buy more shares cheaper! On the subject of behavioural investing. Investing has gotten very popular with the youth of today. Many different investment apps available on peoples smart phones, where you can almost invest in anything any time. I’ve also picked up that people are now checking their portfolios regularly which can lead to making stupid mistakes like buying and selling at the worst times. What are you thoughts on this and how often do you check your own portfolio yourself? I know your strategy of choice is generally 100% equities up until when you are close to retiring or reaching your FI number then switching to at least 20% bonds and say 80% equities. In the UK we don’t have a total bond market. The closest I’ve seen to mirroring this is something like a 60% allocation to UK government bonds (intermediate) & 40% allocation to UK investment grade bonds (corporate bonds). With bonds not paying much interest these days and inflation getting up do you think this is still a wise option, have you considered any alternatives? Talking about inflation my wife is Venezuelan and you will be aware of how out of control the inflation is over there. I know stocks can be a good hedge for inflation can you explain why this is? Reading through your book and stock series blog I’ve noticed you mention your respect for Vanguard. Why do you like Vanguard so much? You will know you are not alone in this. I work in the pensions industry and have a really hard time convincing my colleagues to look more into investing or even their own workplace pension’s and what it’s invested in. I noticed that your book Simple Path to Wealth and blog The Stock Series was written for your daughter as a kind of guide book on how to invest and get yourself set up for success. We’ve recently had our daughter born in June this year. Should I be writing things down for her to help and guide her. One of my biggest regrets was not learning this finance stuff earlier but no time like now, right? Now I know you update your blog from time to time and of course your book is growing in popularity daily due to word of mouth. Any plans to do another book? Please check out JL Collins blog/website here: Books: The simple path to wealth: Pathfinders: Extraordinary Stories of People Like You on the Quest for Financial Independence―And How to Join Them: How I lost money in real estate before it was fashionable - A cautionary tale: The Position of F U video by jlcollinsnh: (*Warning Contains Strong Language) A Guided Meditation for When the Stock Market Is Dropping: /episode/index/show/superbdiamondrange/id/21228782

Frank Vasquez of Risk Parity Radio (The Financial Series) | #49 | Risk Parity Investing | podcast | superb diamond range 06/11/2021

Frank Vasquez of Risk Parity Radio (The Financial Series) | #49 | Risk Parity Investing | podcast | superb diamond range #49 Disclaimer: We are not financial advisors. The content on this podcast and YouTube videos are for educational purposes only and merely cite our own personal opinions. In order to make the best financial decision that suits your own needs, you must conduct your own research and seek the advice of a licensed financial advisor if necessary. Know that all investments involve some form of risk and there is no guarantee that you will be successful in making, saving, or investing money; nor is there any guarantee that you won't experience any loss when investing. Always remember to make smart decisions and do your own research! 1. Firstly, Tell us a bit about yourself and what got you into risk parity in investing? 2. When i first started getting interested in investing I read Harry Browns fail safe investing. What is your opinion on the Permanent portfolio strategy? 3. For someone young who is saving investing and in the accumulation phase it's typical for them to be 100% in global equities (typically in the UK) at what stage is a good time to think or take some action about switching a portion into other types of assets? 4. I notice that through different time periods certain assets perform better than others making the right choices is vital would you agree? 5. Being a citizen and resident in the USA do you mainly invest in USA index's or do you have some international exposure? Can this be of any help to diversify further? 6. What are your thoughts on currency risk? This can be an issue for UK investors as our home currency is the British Pound. 7. I note from your website and podcast that you have a few different test portfolios which has performed the best so far and why? Which has performed the worst so far and why? 8. Do you believe there is a certain percentage of each asset class say 10% minimum to make it matter to the overall impact it has in your portfolio? 9. A big focus is on asset allocation which is obviously important but what are your thoughts on asset location to protect from tax? 10. Can a simple traditional Stocks and Bonds (2 fund) portfolio be enough or is it important to diversify into more asset classes especially these days? 11. Am I right in thinking that the first 10 years in the preservation stage are the riskiest so investing diversified can help you get through that stage? 12. What are you thoughts on Gold, Crypto Currency and preferred stocks? 13. Any final words of wisdom or rules a DIY investor should consider following? Please check out Frank Vasquez's website & podcast: /episode/index/show/superbdiamondrange/id/19440623

Derek Of Engineer My Freedom (The Financial Series) | #48 | Dividend Growth Investing | podcast | superb diamond range 09/26/2020

Derek Of Engineer My Freedom (The Financial Series) | #48 | Dividend Growth Investing | podcast | superb diamond range #48 Disclaimer: We are not financial advisors. The content on this podcast and YouTube videos are for educational purposes only and merely cite our own personal opinions. In order to make the best financial decision that suits your own needs, you must conduct your own research and seek the advice of a licensed financial advisor if necessary. Know that all investments involve some form of risk and there is no guarantee that you will be successful in making, saving, or investing money; nor is there any guarantee that you won't experience any loss when investing. Always remember to make smart decisions and do your own research! 1. Tell us a little about yourself, your background Etc. 2. On this particular show we are going to be focusing on Dividend Growth Investing which is an investment strategy Derek uses. Tell me how did you first discover this strategy and what attracted you to it? 3. On your website engineer my freedom.com I note you are currently investing in 40 companies. Companies like Coca-Cola, Cisco & Royal Dutch Shell. How do you pick these companies? 4.Do you get concerned by being too heavy in one sector like say financial or Energy? 5. Does the geography of where the companies are based come into? Like obviously you live in Ireland and clearly wouldn’t want to invest only in Irish companies like say Ryanair but if you were living in USA it would be very tempting and easy to pick say 20-30 US based companies like Apple or Google. 6. I note from listening to some of your podcast’s that you are considering cutting the size of companies you hold in your portfolio from say 40 down to maybe 20 or 25. I personally would feel more diversified the more companies I hold shares in but admit it must be allot of effort and time focusing on having 40 companies to keep track of all of them and manage the portfolio. What is your main reason for building a more focused core portfolio and how do you plan to implement it? 7. You obviously will be receiving monthly or quarterly cash dividends which presumably you choose how they get reinvested and into which company to move them to. How do you decide on where to move the money. Like in a strategy I’m familiar with called the permanent portfolio you have Gold, Long Term Bonds, National Stocks and Cash which are all supposed to be 25% each asset so you would be aiming to keep everything in balance if it ever got out of whack. Is this the same in dividend growth investing: selling your winners and buying more of your losers? 8. How does tax work? I presume you pay tax on dividend’s payouts? I note you use a tax accountant/proffessional, how much of a difference has this made in saving on your taxes? 9. When you choose a company what are the key qualities you are looking for? 10. What are red flags for you? Could it be companies with allot of debt? Or industries that have been effected by new technologies or political changes in law etc. 11. I mentioned to you in a recent email that the only way I could convince my wife to start investing outside of her pension was that if she could invest in 2 companies one being Disney and the other being Starbucks. Since buying a share in both they’ve never quite recovered to more than we paid for the share but they keep getting close and going down again. My wife is determined to hold them forever and never sell. What are your thoughts on these companies and as a dividend growth investor would you personally drop them or just wait things out? 12. How easy in Ireland is it to get started investing in Dividend Growth investing? I know in the UK we have the likes of trading 212 and the like. 13. If dividend growth investing wasn’t an option, how would you invest? Ie in property (as I know in Ireland like UK this is very popular) or index funds? Crypto? Gold? 14. Is there any good websites or books you can recommend to get started? 15. Finally Derek been a pleasure having you on what would be the best way for my listeners to find you online? Website? Twitter? Be sure to check out Derek's website, Twitter and podcast: https://anchor.fm/dividend-talk /episode/index/show/superbdiamondrange/id/16164158

Meagan of Mrs Money Hacker (The Financial Series) | #47 | podcast | superb diamond range 08/08/2020

Meagan of Mrs Money Hacker (The Financial Series) | #47 | podcast | superb diamond range #47 Disclaimer: We are not financial advisors. The content on this podcast and YouTube videos are for educational purposes only and merely cite our own personal opinions. In order to make the best financial decision that suits your own needs, you must conduct your own research and seek the advice of a licensed financial advisor if necessary. Know that all investments involve some form of risk and there is no guarantee that you will be successful in making, saving, or investing money; nor is there any guarantee that you won't experience any loss when investing. Always remember to make smart decisions and do your own research! This episode we have Meagan from the financial blog Mrs Moneyhacker originally from Canada but now living in Ireland. We will be discussing investing from the perspective of living in Ireland. Been wanting to do a show about investing within Ireland for a while so my research led me to Meagan's awesome blog that I highly recommend. 1. Give us a little bit of your background, I can see you've moved all the way from rural Quebec to the Emerald Isle and what got you to start your blog Mrs. Money Hacker? 2. What first got you thinking about investing or the potential of financial independence? 3. I come across allot of blogs/podcasts mainly based in the USA about personal finance there are obviously a few in UK but not many about investing in Ireland curious to know how easy it is to invest in Ireland? 4. I note from your blog you follow an indexing ETF approach to investing (like myself) curious to know what you invest in these days? 5. With me being based in the UK and it being a small country I follow the global markets in using The Vanguard All World ETF and If I was to get bonds I would probably use UK Gov bonds/Gilts which would be sterling based potentially the currency I may well be spending in the future. Do you follow a similar approach I know you also have investments back in Canada as well as in Ireland so curious to know? 6. What are the typical investment vehicles available in Ireland that can be utilized? Typically in UK we use ISA's Tax Free Growth, Taxable Share Accounts, Tax deferred DC & DB Workplace Pensions and SIPP’s. 7. One of the things I picked up from your blog is that you don’t always follow what everyone else is doing. An example of this was when you were considering moving to Ireland your family in Canada were unsure it was the right thing to do as everything was going according to the script but it proved with time to be a great idea. You obviously make your own luck? 8. What is it you like so much about Ireland? because I can see you always had a plan to go back since first visiting. 8.1. I actually have an uncle who spent half his life living and working in Winnipeg, Canada and half his life in Ireland growing up there. He was always homesick for Ireland and only in recent years when his sons grew up and started their careers in Canada did he move back to live in Ireland. No place like home! Hey? 9. Along the same lines a common thing that is always recommended by financial gurus and Independent financial advisors is to make the most of your company pension or Self invested Personal Pension for my USA listeners the 401K plan. I am guilty of going along with this advice and I work in the pension industry. Was curious to know your thoughts on pensions? I do have my own doubts about losing control and governments changing rules, moving goal posts and future tax rates. 10. What are your thoughts on property investing? Ireland is a very expensive place to live having family over there or at least family in Kildare and Dublin and having made a few trips over the years I have noticed this. 11. Is there much of a community interested in personal finance in Ireland or within your immediate network? Like your work colleagues or circle of friends? I know Irish like Scottish enjoy having a good time 12. What are your views on consumer debt? Do you think it's OK to invest while still carrying consumer debt or better to wipe debt out first? Most would say mortgage debt is OK but anything like a high interest credit card not worthwhile. 13. Is there any finance books or books in general that you can recommend, ones that you really enjoyed and helped you on your journey? 14. I note from your a recent email you sent me that you like video games my personal favorite is Final Fantasy 7 (The Original) what are some of your fave games of all time? 15. From all your experience in investing what would be your advice to a young 20 Something who is considering starting investing but has no idea where to begin or where to go or who he needs to know? (Funny play on some Smiths Lyrics there) 16. Finally Meagan been an absolute pleasure having you on the show if any of my listeners would like to check out your work on the internet where would be the best place? I will link in the show notes. Be sure to check out Meagan's finance Blog: /episode/index/show/superbdiamondrange/id/15530834

Pay Yourself First (The Financial Series) | #46 | podcast | superb diamond range 05/24/2020

Perry Wilson of Stupid is the Norm (The Financial Series) | #45 | podcast | superb diamond range 05/09/2020

Perry Wilson of Stupid is the Norm (The Financial Series) | #45 | podcast | superb diamond range #45 Disclaimer: We are not financial advisors. The content on this podcast and YouTube videos are for educational purposes only and merely cite our own personal opinions. In order to make the best financial decision that suits your own needs, you must conduct your own research and seek the advice of a licensed financial advisor if necessary. Know that all investments involve some form of risk and there is no guarantee that you will be successful in making, saving, or investing money; nor is there any guarantee that you won't experience any loss when investing. Always remember to make smart decisions and do your own research! About our guest today Perry of Stupid Is The Norm: We are Perry and Will. Stupid Is The Norm is the brainchild of Perry who has made every financial mistake there is to make. Combine that experience with the geeky prowess of Will, SITN was brought to life across multiple platforms. Together we have created a programme that has brought Perry from bankruptcy, to now being able to invest £1200 + per month. We are normal guys who are doing something extraordinary. And believe that anyone can become wealthy, regardless of age, ability or education. Which is why we want to show you how. -- 1. Tell me a bit about yourself and what inspired the website, blog and YouTube videos of Stupid is the norm? 2. I can tell by your content that you are trying to inspire the average man/woman to work hard and too save and invest. I note from your videos that you work really hard and allot of hours. Sacrifice is important to achieve your goals? 3. I really like the common sense, fun way you approach getting the message across in your videos do you think this is a good way to spread the message of Financial Freedom? 4. What book, situation, movie/video or friend got you thinking more seriously about your finances? 5. I note from your excellent free PDF book (which is really good highly recommend) that you are a believer in investing in the FTSE 100 do you mainly focus on UK investing or do you also invest Globally? 6. What is your investing strategy? 7. Do you prefer ISA's to Pensions or a mix of both? 8. What are your thoughts about the state pension? 9. Do you think people who earn low or minimum wage with high expenses or debt always delay saving until a future pay rise or winning the lotto and should start now even if it's a small amount each month to begin with? 10. How do you feel about Debt? Obviously allot of people think It's ok to borrow or smash their credit cards. 11. What do you think of property investing? 12. Rent Vs Buy, which do you think makes the most sense? 13. How important do you think it is to develop a savings habit or to pay yourself first? 14. Allot of your content discussing mindset, one of my personal favs is a conversation with an idiot. Most people are living for today and not taking care of business. Like holidays nights at the pub take priority. How easy is it to change your mindset and beliefs? 15. Finally Perry been an absolute pleasure having you on the show. To finish, would you like to mention anything? Also where can my audience find you online? Please check out Stupid is the Norm: Website: Twitter: ---- Podcast: Follow on: Contact the show: /episode/index/show/superbdiamondrange/id/14348198

Ed Mills The Millionaire Educator (The Financial Series) | #44 | podcast | superb diamond range 02/23/2020

Lars Kroijer Investing Demystified (The Financial Series) | #43 | podcast | superb diamond range 09/09/2019

Lars Kroijer Investing Demystified (The Financial Series) | #43 | podcast | superb diamond range #43 Disclaimer: We are not financial advisors. The content on this podcast and YouTube videos are for educational purposes only and merely cite our own personal opinions. In order to make the best financial decision that suits your own needs, you must conduct your own research and seek the advice of a licensed financial advisor if necessary. Know that all investments involve some form of risk and there is no guarantee that you will be successful in making, saving, or investing money; nor is there any guarantee that you won't experience any loss when investing. Always remember to make smart decisions and do your own research! Welcome Lars to the superb diamond range show, it’s an honour to have you on the show. So Lars could you start by telling our listeners a little about you and your background? Before we talk about your preferred investing strategy, what are your thoughts on buying individual stocks and in people believing they have an edge over the market? Your strategy is not particularly complex which drew me to it. In fact it is very simple and low cost it generally involves 2 possibly 3 funds (if you wanted to add corporate bonds as well as government bonds). Can investing really be this simple and easy? Now generally speaking there are two parts to your strategy a global equity stocks part and a local/national currency you live in dominated bond part if it makes sense where you live. Please can you tell our listeners about the Equity side? Presumably this will be the engine and riskier side of the investment. Advantages: Shares offer higher returns, diversity away from home. I notice allot of default occupational pensions have a heavy leaning to the UK for example as well as the Vanguards Lifestrategy range. Currency risk is another thing to look out for which leads to allot of individual investors being heavy in their home market. What's your opinion on home bias? Now would you mind telling us about the volatility reducer or as I refer to them the breaks of the fast car? This would be for the fixed income side of the portfolio. Bonds? Thoughts on adding corporate bonds to this mix? I have heard a 60% Gov bonds to 40% Corporate bonds can be a good blend. Also heard corporate bonds can behave like stocks in a crash so would you not be better off increasing global equities to take a bit more risk and just hold less Gov bonds. You mention in your book 'investing demystified' and 'YouTube' videos about the lowest risk asset available, what would you describe that as and if you believe such a thing exists in todays market? Do you have a personal preference on using say index funds Vs say ETF's? How important do you feel liquidity is with investing? Here in the UK we have tax sheltered vehicles like pensions and stocks and shares ISA's. Do you have any suggestions where best to hold certain assets. You often hear about asset allocation this question more fefers to asset location. So for example you may choose to hold Global equities mainly in your ISA and then Mostly fixed income Gov bonds in your pension. Any thoughts on this? Obviously you mention it's very important to think about taxes as it can really derail your plans. Each individual has different risk tolerances, ages, situations and incomes. Would you recommend seeking help from a financial adviser to determine their risk levels to figure out their asset allocation? Obviously there is many rules of thumb out there like your age minus 100 equals your bond portion or the 120 and 110 rule. I note from a previous podcast you were on called 'Informed Choice Radio' you said you should really only buy what fund you need at the time and to take time to assess your allocation if you feel it needs changing or updating according to where you are in your life financially. Making emotional or behavioural mistakes within investing is quite common particularly for beginners. Obviously you can make this low cost approach to investing unnecessarily expensive and defeat it's purpose and simplicity. What is your take on charges for dealing fees within platforms and mistakes individual investors make by over trading with their investments say possibly even changing funds allot? Or even trying to time the market? You're currently living in my old home town London where house prices are really crazy, scary even and even renting can be extremely expensive depending on the area and type of place. I personally like the freedom renting gives but will admit sometimes purchasing property can make sense when you make the right calculations. What is your opinion on property investing? Curious to hear your opinion on investing in Gold, be it owning it physically as well as through an ETF? Any thoughts on Bitcoin or Crypto currency investing? I'm personally not that interested in it but I realise it's quite popular these days. This is the bogleheads forum page I first discovered Lars Kroijer in: https://www.bogleheads.org/forum/viewtopic.php?t=237134 Be sure to check out Lars's Website: Books: Investing Demystified: Money Mavericks: Confessions of a hedge fund manager & Awesome Youtube video series: ---- Podcast: Follow on: Contact the show: /episode/index/show/superbdiamondrange/id/11179970