This website is a personal blog which aims to record my personal investment journey which includes many mistakes as well as a few successes along the winding path I have taken in early retirement. It expresses my personal views and opinions.

I am an amateur private investor with a keen interest in investing but I am not a qualified or regulated financial adviser. As a result nothing in this website should be construed as financial or investment advice regardless of any information, views, opinions, forecasts, commentaries, suggestions, investment selections or otherwise expressed herein. 

I strongly recommend that you always do your own research and if you are in any doubt about what action to take then you should seek advice from an appropriately qualified and regulated financial adviser.

In no event will I be liable for any loss or damage including without limitation, indirect or consequential loss or damage, arising from, or in connection with, the use of this website. Any action taken as a result of anything read on this website is entirely at your own risk.

The information contained in this website is for general information and entertainment purposes only. I make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, suitability or availability with respect to the website or the information, products, services, or related graphics contained on the website for any purpose. Any reliance you place on such information is therefore strictly at your own risk.

Through this website you are able to link to other websites which are not under my control. I have no control over the nature, content and availability of those sites. The inclusion of any links does not necessarily imply a recommendation or endorse the views expressed within them.

Finally, this website allows comments to be made by its readers although I reserve the right to delete any comments which I do not deem to be appropriate at my sole discretion. I also reserve the right to amend any previously published content should I consider it to be necessary to either improve or correct the content or keep it up to date.


  1. Have read your books and been following the blog for years, along with Movevator you have helped me understand the Pension and Investing landscape and I am very grateful. Of course we all have to take responsibility for our own research but for me your blog is one of the most valuable tools I have. Long may you continue it.