E14 - Asset Allocation

In this episode, I am joined by David Stevenson, an experienced investment commentator and writer, with a passion for media and technology. David writes for a number of leading publications including The Financial Times, where he is a columnist, the Investors Chronicle, Money Management and trade newspaper Investment Week, where he’s the contrarian columnist.  Links David's Twitter: @advinvestor David's website: http://www.adventurousinvestor.com/ Books: https://www.amazon.co.uk/David-Stevenson/e/B001HPPK2U?ref=dbs_a_def_rwt_bibl_vu00_i1 Episode summary: Intro (01:28), How did you get into investing? (04:17), How the youth of today can be real investors? (08:18), Riding your winners, cutting your losses and the importance of rebalancing (14:32), Thoughts on how we should invest in Chinese companies? (17:31), Your 1600% return investment (22:29), Are ESG investments here for the long term? (28:48), What career advice for a recent graduate in the current climate (33:14). Twitter: @FinancialSon Email: [email protected]

In this episode, I am joined by Matei Vlad, the president of the UCL Investment Society. Some of the topics discussed include: Transitioning to a post-covid university experience Job searching in 2021 The UCLIS fund thesis Matei's take on the current market Advice to your first-year self Episode summary: Who is Matei? (00:30), The transition as a university student during the C-19 pandemic (01:41), How has your job search changed during the C-19 pandemic? (06:33), UCL Investment Society (10:34), Leadership skills learnt being the president of the UCLIS (12:08), The investment thesis for the UCLIS fund (15:20), Best moments for the UCLIS fund in 2020-21 (19:04), Key pieces of advice a first-year student should take onboard (24:56), Outro (32:50). Links Matei's Linkedin: https://www.linkedin.com/in/matei-vlad/?originalSubdomain=uk UCL Investment Society: https://www.linkedin.com/company/uclu-investment-society/ Twitter: @FinancialSon Email: [email protected]

In this episode, I discuss what ESG (Environmental, Social and Governance) Investing is and why it is important but can be used for marketing purposes by fund managers. Links CNBC ESG Report: https://www.youtube.com/watch?v=OQ1cliM0b0Q Morningstar article: https://www.morningstar.co.uk/IntroPage.aspx?site=uk&backurl=https%3A%2F%2Fwww.morningstar.co.uk%2Fuk%2Fnews%2F204080%2Fbest-and-worst-esg-funds-of-2020-so-far.aspx All-In Podcast: https://www.youtube.com/channel/UCESLZhusAkFfsNsApnjF_Cg Episode Summary: Market update and the reason for the recent sell-off (00:41), The history of ESG Investing (05:33), The 3 group of people who drive ESG Investing (12:44), Top-performing ESG funds (17:35). Twitter: @FinancialSon Email: [email protected]

In this episode, I discuss why the Tesla stock price will likely keep increasing and a general update on what I have been up to with final-year University and my other projects. Links Vaccine shipments begin: https://apnews.com/article/coronavirus-pandemic-united-states-d4525c56fd2606f1c0dae46ac3c96405 Fund manager makes a bad call to short Tesla: https://masterinvestor.co.uk/funds-and-investment-trusts/without-a-clunie-the-fund-manager-who-shorted-tesla-is-shown-the-door/ Contact Us Twitter: @FinancialSon Email: [email protected] Episode Summary:  Intro (00:12),  Jay's update since the last upload (00:40),  Thoughts on the vaccine (10:52), Tesla talk (13:32).

In this episode, I discuss the argument of whether UK university students should be given a discount on their tuition fees for the 20/21 academic year due to it being delivered mostly online. Links University of Manchester 2018/19 Financial Statement (Page 16): https://www.shorturl.at/anv13 Student Living Costs in the UK 2020: https://www.savethestudent.org/money/student-budgeting/what-do-students-spend-their-money-on.html Open University: http://www.open.ac.uk/ Contact Us Twitter: @FinancialSon Email: [email protected] Episode Summary: Intro (00:11), Are students being educated any less being fully online? (01:15), Is the in-person university experience still available? (06:23), Are universities making any savings with classes being online? (07:26), Are students making a saving with classes being online? (13:57), My experience with my university education being fully online (18:50), The people that benefit from online university (20:56), Outro (23:03).

In this episode, I discuss car manufacturer reliability, a fully autonomous car road network and why ridesharing is the long term solution for major cities. Mentioned links: WhatCar.com Survey: https://www.whatcar.com/news/2020-what-car-reliability-survey-brands/n20069 Average Running Cost of Car: https://www.nimblefins.co.uk/average-cost-run-car-uk Lyft Founder Interview: https://podcasts.google.com/?feed=aHR0cHM6Ly9mZWVkcy5ucHIub3JnLzUxMDMxMy9wb2RjYXN0LnhtbA&ep=14&episode=MTRhY2VhYTQtNDQ3YS00OWRjLTk5NGYtYTI2YTVjNTU2YzQy Telsa Fully Autonomous Driving (Similar video to what I mentioned): https://www.youtube.com/watch?v=tlThdr3O5Qo Connect with us: Twitter: @FinancialSon Email: [email protected] Episode Summary: Update on FinCEN files leak information (00:50), Most unreliable car manufacturer 2020 (04:57), My families experience with Jaguars (08:04), Car finance/stock market arbitrage (10:00), My experience with London public transport (11:56), Ridesharing services are efficient modes of transport (16:05), Ridesharing services adapting to a fully autonomous driving road network (20:37), Outro (25:41).

In this episode, I discuss The Social Dilemma,  the Oracle/TikTok deal, and the FinCEN files leak. I discuss a variety of points regarding these topics, including: Why the Oracle/TikTok deal is not good for the United States. What we know so far about the FinCEN files leak. Links: The Social Dilemma on Netflix: https://www.netflix.com/title/81254224 World's Most Wanted on Netflix: https://www.netflix.com/title/81013210 Chamath talk at Stanford: https://www.youtube.com/watch?v=PMotykw0SIk FinCEN files leak: https://www.bbc.com/news/uk-54226107 Contact us: Twitter: @FinancialSon Email: [email protected] Episode summary: Intro (00:11), The Social Dilemma on Netflix (01:21), My view on the Oracle/TikTok deal (09:37), The FinCEN files leak by Buzzfeed (15:20), Outro (21:40).

In this episode, I discuss Special Purpose Acquisition Companies (SPACs) and the student loan crisis. I discuss a variety of points regarding these topics, including: Could the government pay for your university education? Should we limit to how much debt students can accumulate? Traditional IPO vs. SPACs Links: My First Million Podcast: https://podcasts.apple.com/us/podcast/my-first-million/id1469759170 What is a SPAC: https://medium.com/@saileshpatnala/the-revival-of-spacs-44d7209f4651 Chamath Palihapitiya: @Chamath Money Saving Expert Martin Lewis 'Student Loans Decoded': https://www.youtube.com/watch?v=mO_rAsMuAlM&t=713s Note: I mistakenly mention the Student Loans Company (SLC) being in England only. SLC is across all U.K. countries. My Twitter: @FinancialSon Episode Summary: Intro (00:11), What are SPACs? (00:43), Where does the money raised by a SPAC go initially? (04:16), Traditional IPO vs. SPAC (05:25), What do I think of SPACs (07:09), Student loan crisis (09:07), How do UK students pay back student loans? (11:37), What if the government makes university free? (16:03), Limit how much debt you can accumulate as a student? (17:08), Summary (19:05).

In this episode, we discuss how we are feeling about the upcoming elections, trustworthy news sources, and some personal finance. Some of the topics explored in this conversation include: Who our entire net worth would be on for winning the upcoming U.S. elections. Why capitalists and socialist only exist together. Which groups of people switch political party the easiest. Episode summary: Finding trustworthy news sources (01:12), What are your news sources? (05:58), Who is your money on for the U.S. elections? (06:54), Why trade with other countries is good for all countries (21:18), Do you have a vested interest in the upcoming U.S. elections? (25:09), Why the protest damage is further disadvantaging the mom and pop stores (29:48), Outro (35:04). Twitter: @FinancialSon

In this episode, we discuss how to properly allocate your assets globally. Some of the topics explored in this conversation include: What is an asset class? Home country bias Examples of funds to allocation your money in Acceptable fees to pay for various equities investments Episode summary: What does it mean to be diversified? (00:40), How globalization has allowed everyone to be globally diversified (04:41), Is index investing too boring? (06:49), What is your ideal allocation between equities and property? (08:02), How to start with properly allocating your assets? (12:00), What are acceptable fees to pay for equity funds? (19:57), Which funds you can you buy to be globally allocated? (25:09). Twitter: @FinancialSon Email: [email protected]