1. You don’t need to learn how to be a Great investor, just a Good investor.

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‘Great’ requires a great deal of effort, risk and time; and for most it’s simply not needed. ‘Good’ is enough. It requires much less of all the above and so is more affordable, more realistic and more likley to achieve what you need. ‘Good’ gets you to where you want.

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2. We are against extremes

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Extreme views on most things including money don’t end well. It is goes against nature. An example is only investing one way in one asset class such as shares or property. Schemes promising great outcomes, such as with currency trading are examples. Investing has as many fads as there are miracle diets. We avoid both. 

 

3. We are for Goals based investment and debt management

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Wealth should always have an intended series of uses, otheriwse its just habitual greed. Each use generally has a time frame and perhaps a degree of need for income. We teach how to invest each portion for each intended use. Fear Of Missing Out (FOMO); is often behind fear and greed. Once you learn to be comfortable with achieving what you want with the risks you can accept, returns and opportunities elsewhere no longer matter.

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4. Harnessing the power of Time lowers Risk and increase Returns

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Time can be a friend once you understand its impact on wealth, an enemy of the ignorant. Time can warp expectations, measurements, facts, understanding and interpretations. But time also can deliver lower risk outcomes and lessen angst when the world goes a bit crazy.

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5.Wealth success = Science + Art

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Balanced Portfolio and Efficient Markets theories are proven not to work. Likewise, that chestnut of ‘Property won’t go down’ is just as dangerous. Investing requires factual and proven scientific inputs; but as it also involves humanity, ‘art’ has to be in the mix. Understanding how to blend your investments in this context is crucial.

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6. It’s always about the income, even when the goal is growth

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Income ultimately drives asset valuations and personal security. Income is what we spend to live and enjoy life - not yields, percentages and other esoteric concepts. Investments with no income mostly require speculation and trading (not required to be a Good investor). We devote a lot of teaching to how to benefit from income when making good investment decisions.

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7. Dont worry too much about tax and avoid complexity! Placing tax considerations equal to or above generating consistant, quality, longer term returns is a folly. Technicians like tax planning as much as using complex financial instruments. It justify's their charges and it appeals to the type of person that they are - technicians. Most people do not require either to attain what they want- and with less risk, cost and confusion.   Pay your taxes and accept tax is good; just dont pay excessive amounts or invest in silly things to reduce it. Being a Good investor  balances these factors with the other essentials above.