Welcome to Occam Investing.

This site takes a common sense approach to investing, using a simple, unbiased, and evidence-based philosophy, to help investors make the most of their investments.

About me

I’m a CFA charterholder, currently working for a large asset manager in the UK. I’ve chosen to blog anonymously, as my views may conflict with those of my employer.

Investing philosophy

Occam’s razor is the principle that the simplest solution is usually the best, and I believe this is especially true for investing. In my opinion, an investment portfolio should be:

  • Evidence-based
  • Simple
  • Diversified
  • Transparent
  • Cheap
  • Based on common sense
  • Forecast-free
  • Not reliant on market timing

Why did I start this blog?

Because I have absolutely no financial incentive to do so.

I’m not promoting any products or service, receive no commissions from affiliates or other third parties, and am not tied to any investment provider. The blog’s aim is to provide evidence-based, independent information on investing. I make no money whatsoever from it.

I’m well aware that the world of investments can be an intimidating and confusing place. But it’s also one of the most important aspects of our lives to understand, given that our financial future depends largely on the performance of our investments. There are a couple of major obstacles the most people, sometimes unknowingly, encounter when trying to navigate the investment world:

  1. Investment products are often sold through the use of narratives designed to encourage us to sign on the dotted line, rather than being sold based on rigorous, academically-vetted, and evidence-based principles that would more likely be in our best interests. Investing based on actual data leads to better decision making (and likely better results) than through appealing to emotions and promises of a ‘holy grail’. However, everyone prefers a good story over facts, and this idea is often used to sell investment solutions that may not be in our best interests, by people who benefit financially from their sale.
  2. Much of today’s investment advice – whether provided online or in person – is given with the ulterior motive of promoting a product or service, and there are very few sources that investors can turn to to receive unbiased information. It’s human nature that an investment provider will recommend what they get paid the most to recommend, and it can often be difficult to work out 1) what someone’s financial incentives are, and 2) how that incentive affects the advice they’re giving. 

Thanks to a combination of the misaligned incentives of financial institutions, the complex nature of investments, and the difficulty in finding truly independent advice, many investors are being sold poor investments. They don’t realise that there may be a more appropriate strategy out there for them, or the consequences of investing in something inappropriate.

This blog aims to provide a simple, clear, and un-conflicted opinion on investing. I hope to provide useful, practicable insights, with the intention of helping investors understand the world of investing, and take control of their investments.