Have you ever wondered why investing is so confusing?  Why does your bank or broker offer you thousands of products with no apparent guidance on which are good and which are bad?

There are now 126,500 mutual funds to chose from.  In addition, there are 7,600 ETFs and many more sprouting up each day.  If that wasn't overwhelming enough you can also chose from 41,000 listed companies.

Who needs this level of 'choice'? There is a strategy behind this...  An advertising strategy designed to make consumers resigned to whatever happens.  The key to is to overwhelm consumers with conflicting news and too many choices.  Our mind eventually gives up, and says "I am overwhelmed. Just let the financial advisor manage my money."

The advisor or bank then gets fees from you. Typically an annual management fee, a hidden brokerage fee for every trade and often commissions on products they buy 'for you'.

Hang on - so I am paying someone to move money around with 0 incentive to make more $ for me?  I take all the risk, and they take none? 

Yes. When I studied economics, I learn a lot about incentives.  Economists call the above a 'perverse incentive'.  Do you want to know what the result is?

92% of money managers underperform the market!  Not surprising, given that they have 0 incentive to do any better.  It's not their money. They get paid no matter what.

Stop Investing Like They Tell You!

Do you know how much money left these underperforming funds? 5%!  That's right, most investors are just too confused to move their money out of a sinking ship.   They may be thinking, how do I know the next investment is better than this?

Stop investing like they tell you!  The entire industry of financial advisors is designed to make money for the advisors, the funds, the brokers, the banks and the companies listed.  YOU just hand over your hard earned money and pay for their houses, their holidays and their kids' college funds.

I will teach you to manage your own money.  It will take you less than 30 minutes per month.  

How did I learn to manage my money and build my portfolio?  My first job was in a dotcom start up.  I saw live from the inside what a bubble looks like.  I remember vividly when the music stopped.  Most people got fired.  Our opulent offices went.  That was lesson #1 for me.  I then studied economics, then went to law school and worked for a large corporate law firm.  I met the people who are the financial industry.  I saw first hand how the system is set up to benefit some - and take from the retail investor.

Do you know what part of law is most profitable?  Advising pension funds.  Why? Pension funds spend other people's money.  They don't care how big their legal fees are.  That was lesson #2.  Don't hand your money over blindly to a large organisation.

I then did a stint at an investment bank as a hedge fund strategist.  That was eye opening.  I learnt a huge amount in that time about the investment strategies used by investment banks and hedge funds.  I also realised that what they were doing was not rocket science.  They rarely had an information edge.  Lesson #3 - don't be intimidated.

When I quit that job I knew: I would always manage my own money or find someone I trust, with transparent fees and skin in the game.

Through this journey I have met many investors who have inspired me and taught me the strategies that work.  Which of these you choose depends on your financial goals.  I will give you the templates so that you can implement a market beating strategy that suits you and your family.

Dive in now and I will be your guide every step of the way.