Thursday 27 January 2011


Welcome to my blog.

Over the coming months (and hopefully years), I will be sharing a simple approach to building up and managing your savings and financial investments, with the primary aim of generating a growing income over time.

This approach will be mainly targeted at UK investors, although many of the underlying ideas should translate well to other locations, such as the US and elsewhere.

The key points of this approach are:
  • this is DIY 'Do It Yourself', rather than paying someone else (or an organisation) to do it for you, so it requires some effort from you (however, I'll show you how it's done)
  • it is all about investing (and saving) to generate primarily income, rather than capital growth (although that should happen as well)
  • it takes a fairly cautious approach to managing risks
  • there is a focus on minimising tax liabilities

There are, of course, other ways to build up wealth - for example, through a company pension scheme or buy-to-let property. However, the house (or apartment) that you live in does not give you income  and your pension is (usually) managed by someone else.

This blog will, therefore, concentrate on how you manage cash and financial investments, which can be seen as complementary to these other asset classes. The main advantage of the DIY Income Investor approach over property or other forms of wealth creation is the amount of effort required - the approach can be implemented relatively easily from home (or at work during a lunchbreak)!

I do hope this will be of interest!

I am not a financial adviser and the information provided does not constitute financial advice. You should always do your own research on top of what you learn here to ensure that it's right for your specific circumstances.


  1. Definitely of interest to me! ;-). I'm surprised no one else has commented.

  2. @Yabusame
    Glad to hear it! Get comfy and have a look around.

  3. Great blog. I've just read the newest article about backtesting ETF portfolios and decided to read your blog from the beginning :) The only thing I can't find is some contact info to you. Could you contact with me on filon.r[at]