Why You’re Not Investing

Every Sunday, I send you something to THINK about, a question to ASK yourself, something to TRY and invite you to SHARE.

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THINK

“Never depend on a single income. Make an investment to create a second source.”
Warren Buffett

I was at a family gathering this weekend and I ended up talking about investing with my brother-in-law.

I can’t help myself! 🤦🤣

I invest in a JISA (tax-efficient account for under 18’s) for his two children.

I asked him how he was getting on with his investing, as we’d talked about it years ago.

He said, “I still haven’t started yet.”

I asked him what was holding him back, he said, “I don’t know where to start. I know that I need to but it’s all so confusing and I’m worried about making a mistake. I also don’t have a lot of free time to learn.”

He could call me to ask for help at any time but he hasn’t…

He’s not alone.

His excess cash currently sits in a 4% cash ISA. It could be worse…

But his toddler’s Index Fund has averaged over 8% annual returns so far. Over time, the returns will be drastically different…

£100 p/m at 4% (Cash):

– 10 years = £14,671
– 20 years = £36,389
– 30 years = £68,536

£100 p/m at 8% (Index Fund):

– 10 years = £18,021
– 20 years = £56,928
– 30 years = £140,924

The longer the time horizon, the bigger the gap. His reaction was quite funny when I told him.

Let me reemphasise…

He’s not alone.

SO MANY PEOPLE know that investing is one of the easiest ways to exponentially expand their wealth and yet, they allow fear, uncertainty and doubt to take over and do nothing, missing out on crucial years of compounding.

Do you know the difference waiting an extra 5 years to start will have on your wealth?

Let me show you…

Using the same ‘Index Fund’ example above. If you waited 5 years to start investing, this is how much your portfolio would grow in a single year:

– Year 25 = £6,688.43 growth
– Year 30 = £10,390.69 growth

By Investing 5 years earlier (30 years vs 25 years), your portfolio would grow 55% more in a single year.

This is the difference between 45 years and 50 years:

– Year 45 = £35,567.63 growth
– Year 50 = £52,823.71 growth

Look at what waiting is costing you…

There’s no additional work here. It’s all passive and automated.

Get started and let compound interest do its thing.

You don’t want to see the numbers when you increase contributions above £100 pm! 😲

What’s holding you back?

If you read last week’s Newsletter, you will have seen my #1 Goal for 2024:

I will easily launch the ‘Investing for Beginners’ Course by 30th June 2024

The work starts now… and I’m starting with you! 🫵

What’s preventing you from pulling the ‘Investing Trigger’?

HIT REPLY and tell me.

Consider the following 2 Questions and provide as much detail as possible.

This is your chance to fix what’s holding you back. Tell me EXACTLY what you want and what’s stopping you and I WILL CREATE IT.

Q1. What’s the PERFECT outcome for you completing my Investing course?

a) What would you be able to do at the end of it?
b) Why is that important to you? (Crucial!)
c) What’s the #1 most important outcome?

Q2. What things (rational and irrational) are currently stopping you from Investing?

a) Give me every excuse you have and highlight the biggest ones.
b) What problems do you want me to fix for you?
c) What’s the #1 problem holding you back?

My goal is to create the perfect outcome for you and fix your biggest investment problems.

HIT REPLY and tell me how I can help you.

Reflect and share this with someone.

ASK

“What’s the PERFECT outcome for you completing my Investing course?”

“What things (rational and irrational) are currently stopping you from Investing?”

Write down what comes to mind.

TRY

There are two intentions behind this week’s Newsletter.

1) Establishing Audience Needs – I want to find out my audience’s biggest goals and pain points with investing. The email replies will shape the investing course.

There’s no guessing. I ask what’s important to them, listen and deliver the solutions.

2) Building in Public – This is the first step in building a product/service in front of you. Putting yourself out there and creating something from scratch is challenging. This is where it starts.

Find out your audience’s biggest goals and pain points, and create valuable solutions to lead from where they are to where they want to go.

I invite you to share your investing goals and concerns with me so that we can finally get you started in 2024. This is your chance!

I also encourage you to put yourself out there and canvas your audience (if you have one). If you don’t have an audience, go to meetings, groups or communities where your ideal audience ‘hangs out’ and find out what their goals and pain points are.

Either way, I look forward to hearing from you.

Remember, I read and reply to every email, and I’m rooting for you!

Remember: Little by little, a little becomes a lot.

Reply to this email and share how it went for you. Let me know if you’d prefer to remain anonymous.