Before we get into this end of week note, have a read of a few of the article’s we’ve dropped this week.
The £5000 mistake…
Think back to 2014.
You walked into a store and handed over £600 for the latest iPhone. It felt like the future. Ok some people get a monthly contract which includes the phone but lets not be picky here!
Today that same device is likely sitting in the back of a junk drawer. It is a paperweight with a market value of effectively zero.
We often frame this as a choice between the product or the investment. But what if you did both.
Imagine a world where your lifestyle pays for itself. If you had bought that phone for £600 and the very next month you committed to buying £600 worth of Apple shares, your financial reality today would look very different.
The phone is worth £0.
The shares are worth approximately £5400.
To put that in perspective, Apple was trading at a split adjusted price of around $22 in late 2014. Today it sits over $240. That is a return of nearly 1000 per cent. While the hardware in your pocket was depreciating at 20 per cent per year, the company was compounding at a similar rate in the opposite direction.
Without ownership, you are just a hamster on a wheel. You work 40 hours a week for a paycheck, then you immediately hand that labour back to the corporations.
You are essentially working for free for the brands you love. You are a line item on their revenue report instead of being a line item on your own net worth statement.
You are not juicing the value from your effort.
You are simply handing your power over to someone else's balance sheet.
By following a buy the product buy the company rule, you stop being just a user and you become a partner.
That £5400 would pay for your next three phone upgrades in full with thousands left over. This is how you turn a cycle of spending into a cycle of wealth.
You might wonder if this requires staring at charts all day or chasing the latest volatile trends.
It does not. We are not teaching you how to be a day trader. We are not interested in gambling on hype or staring at screens for hours on end.
Instead we teach you how to become a systemised asset manager.
Our goal is to provide you with the professional framework required to operate your investing with the same discipline as a fund. You learn to manage your wealth through a repeatable process that prioritises long term efficiency over short term noise.
If you want to stop the cycle and start making your cash work efficiently over the long term, you need a framework to operate in.
For those who have never bought a share before and have fear over where to start, you can learn the Bank Statement Method here for £29.99.
If you’re more advanced and ready to master your investing because although you might have made money, you still don’t really have a proper process, book in a call to speak about the Fink Academy with me here.
Even if it isn’t right for you, you’ll probably come away with something useful from a chat with me.
Stop just using the world.
Start owning it.
IMPORTANT
We’ve seen Maduro overthrown in Venezuela.
It is imperative you read this article written by my friend Ryan Paisey, an ex-commodities market maker, on the whole oil story there.
If you do not read this, you will be stuck in a loop of getting information from macro tourists and insane leftists who do not understand the oil dynamics.