https://www.wiltshirewealth.com/journal daily 0.75 2025-11-24 https://www.wiltshirewealth.com/journal/the-descent-of-man-black-friday-and-fisherian-runaway-selection monthly 0.5 2025-11-24 https://images.squarespace-cdn.com/content/v1/65708bf3d50a8b55b5ad77be/f9494941-538f-42d4-9dfd-7470abc005ef/Irish+Elk_pic.jpg Blog - The Descent of Man: Black Friday and Fisherian runaway selection - Make it stand out Irish Elk skeleton at the Bristol Museum https://www.wiltshirewealth.com/journal/how-long-should-i-remain-invested monthly 0.5 2025-09-24 https://images.squarespace-cdn.com/content/v1/65708bf3d50a8b55b5ad77be/b9ba4021-1e53-413b-b07c-22b62b617b73/Patience+premium+1.png Blog - “How long should I remain invested?” - Make it stand out Source: for simple portfolio mix see endnote. Bank of England. Inflation: UK CPI. 03/07/90-15/08/25. https://images.squarespace-cdn.com/content/v1/65708bf3d50a8b55b5ad77be/45041b44-f7a5-4ab3-bae7-dea21dac7b0f/Patience+premium+2.png Blog - “How long should I remain invested?” - Make it stand out Source: for simple portfolio mix see endnote. Bank of England. Inflation: UK CPI. 03/07/90-15/08/25. Log scale. https://images.squarespace-cdn.com/content/v1/65708bf3d50a8b55b5ad77be/12b79d55-7367-4afc-8357-3326d7ef56cb/Patience+premium+3.png Blog - “How long should I remain invested?” - Make it stand out Sources: Ken French Data Library. Vanguard: IE00B03HD209. iShares: IE00B4WXJK79. Albion Strategic Consulting ©. https://www.wiltshirewealth.com/journal/why-invest-at-all monthly 0.5 2025-08-18 https://images.squarespace-cdn.com/content/v1/65708bf3d50a8b55b5ad77be/8e798b0f-a87d-41b9-b9fe-038b406e3ce7/Cash+vs+portfolio.png Blog - “Why invest?” - Make it stand out Source: Morningstar Direct © All rights reserved (see endnote). Indices: DB SONIA, MSCI ACWI. Adjusted by: UK CPI. https://www.wiltshirewealth.com/journal/what-is-the-average-return-on-the-stock-market monthly 0.5 2025-05-09 https://images.squarespace-cdn.com/content/v1/65708bf3d50a8b55b5ad77be/d1475a43-b180-431e-8fb3-400b61566dc9/Stock+market+returns.jpg Blog - “What is the average return on the stock market?” - Make it stand out Source: Albion Strategic Consulting. Albion World Equity Index (https://smartersuccess.net/indices). 1927 to 14th April 2025. Returns in USD. https://www.wiltshirewealth.com/journal/4-key-probabilities-for-investment-success monthly 0.5 2024-12-11 https://images.squarespace-cdn.com/content/v1/65708bf3d50a8b55b5ad77be/fa5ce2be-8b15-44d1-afd8-2c2805f7543a/PP_Stocks+vs+Cash.jpg Blog - “How can I make smarter investment decisions?” - Make it stand out Source: Albion World Stock Market Index versus UK One Month Treasury Bills https://images.squarespace-cdn.com/content/v1/65708bf3d50a8b55b5ad77be/f297a0bb-11db-4924-b90e-f8ef46fd4a8e/PP_Active+vs+Passive.jpg Blog - “How can I make smarter investment decisions?” - Make it stand out Source: Albion GAMETM 24.5 – global equity funds to June 2024. https://images.squarespace-cdn.com/content/v1/65708bf3d50a8b55b5ad77be/ec1685a9-6037-4b34-a328-f5bd09e903f1/PP_Concentration+of+returns.jpg Blog - “How can I make smarter investment decisions?” - Make it stand out Source: Bessembinder, H. (2018). Do stocks outperform Treasury bills? Journal of Financial Economics, 129(3), 440–457. https://doi.org/10.1016/J.JFINECO.2018.06.004 https://images.squarespace-cdn.com/content/v1/65708bf3d50a8b55b5ad77be/7a1a8617-cfd6-447d-af68-ac497f25261b/PP_Factor+performance.jpg Blog - “How can I make smarter investment decisions?” - Make it stand out Source: Ken French Data Library – US three factor model[1] https://www.wiltshirewealth.com/journal/corporation-tax-rate-for-smes monthly 0.5 2024-11-07 https://images.squarespace-cdn.com/content/v1/65708bf3d50a8b55b5ad77be/c0c1ffe1-6d8e-4fdd-b2ad-5bba10dd8a8c/26.5%25+Corporation+Tax.png Blog - Understanding the 26.5% Marginal Corporation Tax Rate for SMEs - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.wiltshirewealth.com/journal/whats-a-good-investment-return monthly 0.5 2024-11-01 https://images.squarespace-cdn.com/content/v1/65708bf3d50a8b55b5ad77be/0db98346-a6a2-4ea0-a19a-245313182429/Sensible+investment+expectations+framework.jpg Blog - “What is a good investment return?” - Make it stand out Source: Albion Strategic Consulting https://images.squarespace-cdn.com/content/v1/65708bf3d50a8b55b5ad77be/2c019612-07ef-41a4-9faf-899c13b87edd/One+hundred+10-year+simulations.jpg Blog - “What is a good investment return?” - Make it stand out Source: Albion Strategic Consulting. One hundred 10-year Monte Carlo simulations using arithmetic average return of Albion World Stock Market Index (https://smartersuccess.net/indices) from 1994-2023 (9.4%) and standard deviation of annual returns (18%), priced in USD in nominal terms. https://www.wiltshirewealth.com/journal/why-investing-is-simple-but-not-easy monthly 0.5 2024-08-29 https://images.squarespace-cdn.com/content/v1/65708bf3d50a8b55b5ad77be/7d363d9b-4290-49be-bef7-72bbde608548/Investing+is+simple+not+easy.png Blog - Why investing is simple, but not easy - Make it stand out Source: Albion Strategic Consulting https://images.squarespace-cdn.com/content/v1/65708bf3d50a8b55b5ad77be/df5525b2-01fb-4020-bdcb-0aafde76a11d/Emotional+costs+of+investing.png Blog - Why investing is simple, but not easy - Make it stand out Source: Albion Strategic Consulting https://www.wiltshirewealth.com/journal/frequently-asked-questions-about-financial-advice monthly 0.5 2024-11-08 https://www.wiltshirewealth.com/journal/how-much-do-i-need-to-save-in-my-pension-to-retire-at-60 monthly 0.5 2024-10-01 https://www.wiltshirewealth.com/journal/politics-and-portfolios monthly 0.5 2024-06-11 https://images.squarespace-cdn.com/content/v1/65708bf3d50a8b55b5ad77be/69ebcd22-ca61-4c78-93d9-cec53363ce13/Politics+Chart.jpg Blog - Politics and portfolios - Make it stand out Source: Albion Strategic Consulting. Data: CT FTSE All-Share Tracker 1 Inc (GB0008464199) from 01/10/1988, Vanguard FTSE UK All Shr Idx Unit Tr£Acc (GB00B3X7QG63) from 01/01/2010. Not a recommendation. Data in GBP in nominal terms. Election results data from House of Commons Library. https://www.wiltshirewealth.com/journal/the-diderot-effect monthly 0.5 2024-10-01 https://www.wiltshirewealth.com/journal/money-marketing-magazine-december-2023 monthly 0.5 2024-06-06 https://www.wiltshirewealth.com/journal/ft-adviser-october-2023-28pnp monthly 0.5 2023-10-24 https://www.wiltshirewealth.com/journal/3-books-on-the-philosophy-of-money-78w9m monthly 0.5 2024-01-08 https://www.wiltshirewealth.com/journal/the-unexpected-career-paths-of-kafka-ts-eliot-and-scott-fitzgerald-4p76n monthly 0.5 2023-04-18 https://www.wiltshirewealth.com/journal/3h02irn1rpoqnw5s14sr4v3n9cn2hq-ggwx2 monthly 0.5 2023-07-11 https://www.wiltshirewealth.com/journal/10-financial-new-year-resolutions-lwrmb monthly 0.5 2023-01-05 https://images.squarespace-cdn.com/content/v1/65708bf3d50a8b55b5ad77be/1701874683326-MDI7RUW0EU0HXKUYPC5P/Mortgage.jpg Blog - 10 financial new year resolutions - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.wiltshirewealth.com/journal/how-too-little-investment-risk-can-harm-your-finances-fnd6j monthly 0.5 2024-10-01 https://www.wiltshirewealth.com/journal/money-marketing-magazine-september-2022-fgzys monthly 0.5 2022-09-01 https://www.wiltshirewealth.com/journal/the-importance-of-remaining-invested-mc942 monthly 0.5 2024-10-01 https://images.squarespace-cdn.com/content/v1/65708bf3d50a8b55b5ad77be/1701874683308-EGB0F0GSS3S11VB2DJT9/Time+and+volatility+of+returns.png Blog - The importance of remaining invested - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/65708bf3d50a8b55b5ad77be/1701874683312-4YRITT7TYZIXG2DFQJQU/Asset+class+returns.png Blog - The importance of remaining invested - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.wiltshirewealth.com/journal/thousands-sleepwalking-into-the-pension-lifetime-allowance-tax-trap-64w9r monthly 0.5 2022-08-16 https://www.wiltshirewealth.com/journal/will-rising-inflation-affect-my-retirement-grpkz monthly 0.5 2022-05-04 https://www.wiltshirewealth.com/journal/t5jshwjk4gwktoov4w4mv5be1cwin1-6fgct monthly 0.5 2022-07-05 https://www.wiltshirewealth.com/journal/is-rising-inflation-a-wake-up-call-to-review-your-savings-g6nx2 monthly 0.5 2022-03-28 https://www.wiltshirewealth.com/journal/5-retirement-challenges-and-what-to-do-about-them-4hk8r monthly 0.5 2022-02-15 https://www.wiltshirewealth.com/journal/how-do-i-claim-pension-tax-relief-zxxce monthly 0.5 2022-01-26 https://www.wiltshirewealth.com/journal/what-is-a-realistic-return-on-investments-thd58 monthly 0.5 2021-12-22 https://www.wiltshirewealth.com/journal/will-i-pay-inheritance-tax-on-my-house-7zprx monthly 0.5 2021-11-02 https://www.wiltshirewealth.com/journal/y7pf5mmxey9w7z0yup1mdj2t405qyi-pgaw4 monthly 0.5 2022-07-05 https://www.wiltshirewealth.com/journal/what-is-personal-financial-modelling-66tne monthly 0.5 2021-10-11 https://www.wiltshirewealth.com/journal/how-can-i-manage-investment-risk-rhakb monthly 0.5 2025-09-24 https://www.wiltshirewealth.com/journal/are-cash-isas-good-for-savings-xg9j4 monthly 0.5 2025-08-18 https://images.squarespace-cdn.com/content/v1/65708bf3d50a8b55b5ad77be/1701874683243-MZGDHT66NGM5LQJ7HV1T/HMRC+Cash+ISA.png Blog - 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It was against France and, over the years it has had first brought about in 1694 to help finance a war various incarnations. https://images.squarespace-cdn.com/content/v1/65708bf3d50a8b55b5ad77be/1701874683190-AD25D1B7KOAKVPE37706/IHT+Revenue.JPG Blog - “How much can I give to my children and family tax free?” https://images.squarespace-cdn.com/content/v1/65708bf3d50a8b55b5ad77be/1701874683193-WW4BXMJ9A6W6QB8P87LE/PET+runoff.JPG Blog - “How much can I give to my children and family tax free?” https://www.wiltshirewealth.com/journal/guide-to-esg-investing-ertrf monthly 0.5 2024-06-06 https://www.wiltshirewealth.com/journal/retire-z4ykr monthly 0.5 2024-06-06 https://images.squarespace-cdn.com/content/v1/65708bf3d50a8b55b5ad77be/1701874683064-EEX8Z484NL0CGQRZKYWA/Retirement+Spending.JPG Blog - “How much do I need for a comfortable retirement?” https://www.wiltshirewealth.com/journal/business-owners-ckxcw monthly 0.5 2024-06-06 https://www.wiltshirewealth.com/journal/retiring-early-79za2 monthly 0.5 2024-06-06 https://www.wiltshirewealth.com/journal/amount-you-need-in-retirement-tlb5a monthly 0.5 2024-06-06 https://www.wiltshirewealth.com/journal/esg-pensions-b5n62 monthly 0.5 2024-06-06 https://www.wiltshirewealth.com/journal/impact-of-financial-advice-ekgx2 monthly 0.5 2024-06-06 https://www.wiltshirewealth.com/journal/unexpected-money-fhhll monthly 0.5 2024-06-06 https://www.wiltshirewealth.com/journal/pass-on-wealth-h7m26 monthly 0.5 2024-06-06 https://www.wiltshirewealth.com/journal/real-value-of-financial-advice-3kk8l monthly 0.5 2024-06-06 https://images.squarespace-cdn.com/content/v1/65708bf3d50a8b55b5ad77be/1701874683148-NEPR8VTXRD7DQ3RLLFUO/Screenshot+2020-11-27+at+11.23.44.png Blog - “Could I benefit from financial advice? 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