What caught my eye this week.
Despite our gloomy warnings about dear inventory markets and the way each funding can fail you, we’re truly a fairly jolly crew right here at Monevator.
Why wouldn’t we be?
In my opinion I way back cracked the code of escaping the worst of the work world with out giving up the revenue. And my co-blogger The Accumulator is perpetually chasing cows.
Completely happy days – so I feel it’s excessive time we had a bit extra enjoyable concerning the place.
Sure, it’s necessary Christmas occasion time!
Your Christmas occasion outfit sorted
Now, nothing says Yuletide workplace occasion like a Christmas jumper, proper?
Much more so whenever you’re retired or working from house, and also you need to stand out on a Zoom name.
Which is all a laboured means of showing that my girlfriend has designed a particular Christmas jumper – nicely, sweater actually – which you could now bag on the Monevator store.
Bulls, bears, and little tinsel decorations that appear like share worth graphs, it’s received all of it.
How may you not need to be sporting one in all these dangerous boys when the boss treats the workforce to a Christmas Nando’s:
There are two colors to select from – blue and inexperienced – and once more notice that these are sweatshirts, not knitwear. (You may’t produce knitwear merchandise on demand. Name me pessimistic however I wasn’t going to pre-order 1,000 prematurely…)
So go seize one now to wow your folks, household, neighbours, and the postman.
(Word: wowing shouldn’t be assured, your mileage could fluctuate.)
Tips on how to probably win a Christmas sweatshirt
The pressured enjoyable doesn’t cease there. As a result of what’s an workplace occasion with out prizes?
Sure, we’re going to provide away three of those seasonal sweaters.
Full phrases and circumstances beneath (pink tape within the UK? actually?) however right here’s the gist of what it’s worthwhile to do for an opportunity of successful one of many three Christmas sweaters we’re giving freely.
Grow to be a Monevator member
Signal-up to turn out to be a Monevator member between now and the top of Friday 12 December and also you’ll routinely go right into a random draw to win a Christmas sweater.
Refer somebody who turns into a member
Again in June we launched a referral programme, the place members can get discounted – and even free – membership by referring others who sign-up for an annual subscription.
That week noticed a flurry (nicely, a handful) of referrals. However nothing since. I think our relentless give attention to sub-optimal Monevator monetisation strikes once more…
So I’m flagging the referral scheme as soon as extra. I’ve made it extra beneficiant, too.
As for this competitors, refer a member who indicators up for annual membership between now and the top of 12 December and also you’ll go right into a draw for a sweater.
Scroll down my earlier publish for particulars on the best way to refer somebody. Word: it’s worthwhile to be on an annual membership for referrals to depend.
Give some recommendation on investing
My girlfriend could also be a gifted designer of pixellated investing-themed Christmas sweatshirts, however she shouldn’t be good.
Specifically: she is insufficiently obsessive about investing.
So what inspiring recommendation would you give a 30-something who saves into her office pension however in any other case takes little interest in investing? Regardless of her boyfriend operating a number one weblog about investing?
Share 50-100 phrases on saving, index funds, retiring early, monetary freedom, or any of the opposite matters we cowl on Monevator (okay, possibly not leveraged ETFs) and also you’ll go right into a draw for a sweatshirt.
I’ll use a number of these feedback to create an article that I’ll then print out and go away conveniently in her make-up draw or in her automobile’s glove field.
She’ll certainly be delighted!
Solely initials or first names will probably be printed in case your recommendation is included.
You may both remark beneath, clearly stating a little bit of investing recommendation, or get in contact with the remark kind or with a reply when you’re studying this publish on e mail.
Once more, entries by the top of Friday 12 December please.
Now for that regulatory small print.
Monevator free prize draw: phrases & circumstances
1. Promoter: Monevator (monevator.com).
2. Tips on how to enter: You may enter the attract any of the next methods:
(a) Join Monevator membership;
(b) Refer somebody who indicators up for membership;
(c) Share some inspiring recommendation about investing through a remark, e mail reply, or the content material kind.
All legitimate entries obtain one entry into the draw. No buy is important as a result of possibility (c) is free.
3. Opening and shutting date: Entries open on 6 December 2025 and shut at 23:59 on 12 December 2025. Entries obtained after this time won’t be included.
4. Eligibility: Open to readers aged 18 or over. One entry per particular person. Monevator contributors and their shut members of the family will not be eligible. (Sorry!)
5. Prizes: Three winners will every obtain one Monevator-branded sweatshirt. No money different.
6. Winner choice: Winners will probably be chosen at random from all eligible entries inside seven days of the cut-off date.
7. Notification: Winners will probably be contacted by e mail. If a winner doesn’t reply inside seven days, we could draw a alternative winner.
8. Knowledge: We’ll solely use private particulars provided for the needs of administering this draw and citing any recommendation chosen for an article.
9. Use of feedback: We could publish a number of submitted feedback in a future Monevator article. Feedback will probably be printed anonymously or utilizing first names or initials solely. By getting into, you conform to this.
10. Common: We reserve the fitting to withdraw or amend the promotion if mandatory. Our determination is closing.
Once more, that’s three other ways to win one in all three Christmas sweatshirts.
Ho ho ho! Have an important weekend.
From Monevator
When to derisk earlier than retirement – Monevator
Tips on how to worth and account for personal corporations and funds, angel investments, and crowdfunded shares [Moguls] – Monevator
From the archive-ator: Don’t waste cash shopping for costly items – Monevator
Information
AJ Bell boss warns over ‘completely bonkers’ money ISA cost [Paywall] – FT
Halifax: first-time consumers in greatest place to purchase property in a decade – Guardian
Scholar mortgage repayments are altering: what staff must know – Which
LSE reportedly cracking down on ‘Wild West’ bulletin boards – Proactive
Labour’s youngster poverty technique unveiled, however not everyone seems to be completely satisfied – Sky
4 million extra households will see mortgages rise subsequent yr – This Is Cash
MSCI launches a brand new index combining public markets and personal fairness – MSCI
Revealed: Britain’s happiest locations to reside – Sky
Michael Dell provides $6.25bn to launch ‘Trump Accounts’ for 25m US youngsters – FA Advisor
UK financial system continues to be set to sluggish subsequent yr, warns OECD – This Is Cash
Services and products
Disclosure: Hyperlinks to platforms could also be affiliate hyperlinks, the place we could earn a fee. This text shouldn’t be private monetary recommendation. When investing, your capital is in danger and you could get again lower than invested. With commission-free brokers different charges could apply. See phrases and charges. Previous efficiency doesn’t assure future outcomes.
Do inexperienced mortgages supply higher charges? – Which
Every thing it’s worthwhile to find out about sending Christmas parcels – Guardian
What’s a ‘stepped pension’, and must you take one when you can? – This Is Cash
Stand up to £1,500 cashback whenever you switch your money and/or investments to Charles Stanley Direct by way of this affiliate hyperlink. Phrases apply – Charles Stanley
Save on the grocery store with this present card hack – Be Intelligent With Your Money
Is it regular to pay a reservation price on a property? – Which
High ten bank card hacks – Be Intelligent With Your Money
How do you unwind a belief? – This Is Cash
Properties on the market with uncovered beams, in footage – Guardian
Remark and opinion
Gilts, dividends, and a shed stuffed with equipment – Fashionable Tontines
Alan Johnson: the UK should escape the doom loop of low abilities [Paywall] – FT
If there was a bubble, what would you do about it? – Behavioural Funding
Residing for the eulogy – The Root of All
A drawdown case research [US but relevant] – A Wealth of Frequent Sense
What’s a ‘adequate’ monetary plan? – Morningstar
The hidden price of index replication – Larry Swedroe
The federal government is driving newbie landlords out of buy-to-let – This Is Cash
The worth of flexing spend in retirement – Easy Residing in Somerset
Morningstar’s annual protected withdrawal charge guesstimate – Morningstar
Exploring worth versus progress, once more [Research, PDF] – Meketa
Naughty nook: Lively antics
The liquidity phantasm – 3652 Days
Proposed inflation indexation adjustments have rocked renewable trusts – II [Affiliate link]
Exploring the state of the bond market – Extra Returns
The story of DuoLingo – Quartr
Don’t get hung up on funding belief reductions [Paywall] – FT
The best tailwinds in rising markets – The Falling Knife
Traders chubby thriller and underweight mastery – Groundwork
Essentially the most overvalued shares within the US aren’t in AI – Trustnet
Kindle e-book bargains
Stop: The Energy of Figuring out When to Stroll by Annie Duke – £0.99 on Kindle
A Man for All Markets by Edward Thorp – £0.99 on Kindle
The Finish of Actuality by Jonathan Taplin – £0.99 on Kindle
Lean In: Girls, Work, and the Will to Lead by Sheryl Sandberg – £0.99 on Kindle
Or choose up one of many all-time nice investing classics – Monevator store
Environmental elements
Stumbling over the holy grail of agriculture – Guardian
China has planted so many timber it has modified its water distribution – LiveScience
Pay-per-mile on EVs will see petrol vehicles rationed, says automobile boss – This Is Cash
60,000 penguins starved to demise after sardine numbers collapsed – Guardian
Saving Japan’s exceptionally uncommon ‘snow monsters’ – BBC
Robotic overlord roundup
Chatbots have gotten actually, actually good criminals – Atlantic
Self-driving vehicles save lives – New York Occasions
Why doesn’t everybody love AI? – Noahpinion
AI security options will be circumvented with poetry – Guardian
Google, nVidia, and OpenAI – Stratechery
VC companies’ ‘kingmaker’ technique crowns AI winners of their infancy – TechCrunch
The AI snow globe is shaken – Spyglass
Not on the dinner desk
A dishonourable strike – Exec Features
(Useless) DOGE could find yourself costing US taxpayers $135bn this yr alone – Fortune
Off our beat
A ‘fertility hole’ is fuelling the rise of one-child households – BBC
Tips on how to rig hidden markets in your favour – Subsequent Massive Concept Membership
5 books printed in 2025 price studying – Klement on Investing
The non secular foundation for capitalism – We’re Gonna Get These Bastards
In reward of biblomania – LitHub
Eradicating gang tattoos to assist offenders begin once more – Causes to be Cheerful
The primary Bible with a map helped create nation states – The Dialog
52 issues realized in 2025 – Tom Whitwell
And at last…
“I’m way more within the prepare than the climate, however I’m much more within the vacation spot than the prepare.”
– David Gardner, Rule Breaker Investing
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