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1. Market Recap (October 13-17, 2025) Global and US/UK markets US stocks started last week strong. On Monday, the S&P 500 rose by about 1.6 percent, the Dow Jones by 1.3 percent, and the Nasdaq by 2.2 percent. The rise came after the US government softened its tone on trade tensions with China, which made investors more confident. AP News Reuters – UK stocks steady as Trump eases tone on China tariff In the UK, the FTSE 100 also went up slightly, helped by gold mining compan

Introduction Diversification is one of those words that keeps coming up whenever I read or watch anything about investing. At first, it sounded complicated, but it is actually a simple idea that makes a big difference over time. It is all about balance and not putting all your money in one place, so that if one investment drops, the rest can help keep you steady. As I keep learning more about investing, I am starting to see why diversification matters so much. It is not just

Introduction Investing is one of the most effective ways to build wealth over time. It allows your money to grow beyond what a savings account can offer and helps you reach goals like buying a home or building long-term financial stability. To really make the most of investing, it’s important to understand how risk and reward work together. Every investment comes with some level of uncertainty but knowing how to balance that risk with potential rewards can make a huge differe

Introduction At the beginning of my investing journey, TikTok was where I saw most people talking about it. Everyone seemed to be discussing stocks, ETFs, and building passive income, but very few actually explained what those things meant. TikTok definitely sparked my interest, but I ended up turning to YouTube and Google to really understand it all. Websites like Investopedia, Morningstar, and The Motley Fool UK helped break things down in plain English, and YouTube channel

Introduction When I first heard people talk about investing, I used to think it was something only wealthy people did. It sounded complicated, risky, and far out of reach for someone who was just starting to learn about money. But over time, I realised that investing isn’t about being rich, it’s about learning how to make your money work for you. Investing is simply a way to grow what you already have, no matter how small that amount is. It’s one of the most effective ways to

Introduction This write-up is based on the first month of a 3-month project where I am testing if a £50,000 mock investment fund can outperform a chosen benchmark. Each week, I tracked the portfolio’s performance and linked it to market events to see how they affected results. I decided on £50,000 as the starting amount because it felt like a realistic figure for a small fund. Even though one month is a short time, it has already given me the chance to practise building a por

Introduction Recently I’ve been learning more about different ways people invest, and one idea that stood out to me is thematic investing. Instead of just focusing on traditional sectors like technology or healthcare, thematic investing is about following big trends that are shaping the world. Some of the popular ones are artificial intelligence, ageing populations, and climate change. For this project, I chose to focus on renewable energy . Everywhere I look, there are discu

Introduction If someone gave me £500,000 to invest today, where would I even start? It is tempting to put everything into Nvidia. AI is everywhere in the news, and Nvidia’s share price has been climbing rapidly. Another option would be energy, since oil recently pushed above $90 a barrel (Reuters, 2025). Both are exciting opportunities, but are they enough to build a resilient portfolio? From what I have been learning, relying on one investment is like taking only one scan in

Introduction In one of my last posts, I looked at how I would invest £500,000 for a hypothetical client. That exercise was mainly about building a portfolio and thinking through asset allocation. In this post I want to take things further by imagining how I would advise a client who has £1 million to invest. Having a clear investment strategy is important because it gives structure to decisions and helps avoid being influenced by short term market changes. With a larger sum l

Introduction Interest rates keep showing up in financial headlines, and I wanted to understand why they matter so much for investing. They affect borrowing, mortgages, business costs, and even how people save. Since I am learning about asset and wealth management, I thought it would be useful to explore the current state of interest rates, what drives them, and what they might mean for portfolio strategies in 2025. For me, looking into this is less about making predictions an