Author: Orhun

Orhun is a personal finance and investment enthusiast. Especially interested in behavioural finance and how psychology plays an important part in financial decision making. Orhun holds an MSc degree in finance from The University of Edinburgh.

Hedging against inflation can help personal investors ensure that their hard-earned savings maintain their value over time. Rising inflation is a global phenomenon, with prices increasing in countries all around the world. The causes of this inflation are varied, but some of the most common factors include increases in the cost of raw materials, fuel prices, and wages. While mild inflation (2-3%) can have some positive effects, such as stimulating economic growth, galloping inflation (above 10%) or hyperinflation can lead to rising living costs and erode the value of savings. Inflation is the general increase in the prices of goods…

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‍A Roth Individual Retirement Account (IRA) is a type of retirement savings account that allows individuals to save after-tax money for their retirement. The closest UK equivalent of a Roth IRA is an Individual Savings Account (ISA). The United Kingdom has a different retirement savings system compared to the United States. However, personal savings rates in the United Kingdom and the United States are very close.  Savings rates in the UK averaged 8.34 percent from 1955 until 2022. Similarly, rates in the United States averaged 8.95 percent in the same period. Roth IRA is an individual retirement account designed to…

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The impact of technology on financial services has been enormous. The rise of the internet, mobile banking and payment systems and digital currencies have all had a huge impact on the way people interact with banks and financial institutions. ‍ There has also been a shift in financial services and investing due to changing client behaviour thanks to the “millennial” generation. Millennials are digital natives, they trust technology companies more than any other institution, and they value experiences over things. The result is that banks and other financial institutions are being forced to adapt their services to meet these changing…

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NFTs, or non-fungible tokens, are a hot new buzzword in the already jargon-packed crypto world. What are they, why are people investing in NFT art, and what do you need to know about them as an investor? Let’s take a deep dive into the world of NFTs. We will explore their investment potential, creation process, and how to buy NFTs in the UK. What are non-fungible tokens? Let’s start with the basics. In economic parlance, fungible assets are those where units of the asset can be interchanged easily. Something like money.  Two £5 notes, five £2 coins, and a £10…

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5‍ foundations of personal finance will help you get a handle on your financial future. Many young adults struggle to deal with their personal finances. Personal finance is more than just balancing checkbooks and tracking expense categories; it’s an opportunity to take control of your long-term financial future. Good personal financial management habits can be challenging for anyone at any age, but especially so when you’re first starting out in the world as an adult with independent expenses and responsibilities. According to a recent survey, 63% of millennials report having little or no knowledge about personal finance, and 66% say…

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There are a few different ways you can buy bitcoin in the UK. Each way comes with certain pros and cons. Digital currencies, blockchain, and cryptocurrency investment options have the headlines gripped at the moment. Yet they are also unregulated, volatile financial instruments carrying high risk. Does the currency that exist in blockchain make for a good investment? Today we take a closer look at how to invest in bitcoin in the UK, and its potential pros and cons. Recapping Bitcoin Bitcoin(BTC) is a digital asset that supposedly functions like normal currency, but with notable differences. It’s a peer-to-peer system,…

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There are a number of key differences between Moneyfarm and Vanguard that will affect your investment experience. We will explain these differences. The financial world is changing rapidly, and it’s more accessible than ever before. This has opened up new opportunities for investors, who may previously have been put off by the jargon-heavy nature of the industry and its high entry cost. Thanks to technology, you can now access investment opportunities once reserved only for the super-wealthy. But with so many options available, how do you choose which one is right for you? When it comes to investing funds, both…

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A lazy portfolio is a portfolio of low-maintenance investments that requires minimal effort to keep it running smoothly. You don’t need to be an investing wizard or financial whiz kid to build a solid portfolio.  In fact, in most cases the simpler your strategy, the better. Especially if you are not a finance professional. Making things simple means cutting out unnecessary costs and complications so you can invest with peace of mind rather than worry about hidden pitfalls. There are plenty of ways you might be undermining your own ability to grow your savings in an efficient way when you…

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DeFi or decentralised finance is the umbrella term for financial services that are not controlled by a single entity. It can also be referred to as a distributed ledger system or a peer-to-peer network. The technology behind decentralised finance is called blockchain; it’s essentially an online ledger that no single user controls. Defi is one of the hottest areas in cryptocurrency at present, meaning there are huge ramifications for any smart investor, too. Whether you’re looking for a diversified way to put your cash to work for you, or you’re simply curious about the world of blockchain, today we’re taking…

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The UK market for digital investment platforms continues to grow and develop. New players are coming to market, existing players are launching new products, and established fund management firms continue to innovate in this sector. Investors – both institutional and personal – have responded positively to the growing range of new investment opportunities available through these platforms. This article takes a closer look at the current state of the investment platforms in the UK from the perspective of an individual investor. Everyone needs something a little different from their investment strategy, and you should always bear that in mind when…

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