Random Thoughts Here you’ll find all the posts which don’t fit into any other category.NB: If there’s an article title with no link, it means it’s an idea for a future post. The best investing blogsThe best investing books for beginnersMy 5 favourite books of 2020Average pension pots [UK]Average UK savings by ageHow much money is in the world?Why do we buy expensive investments?Average UK salary by ageInvestor behaviour – behavioural biases and the behaviour gapAvoiding the newsHow does an ETF work?Tax efficient investingUnderstanding investment performanceHow do I choose a good passive equity fund?How do I choose a good passive bond fund?Index funds vs ETFsIndividual bonds vs bond fundsA diversifier or a hedge? Understanding bond fundsShould I invest in the market or a BTL property?Should I rent or buy?Interest rate effects on stocks/bondsDo I need a financial adviser?Investing tipsSequence of returns riskYour returns depend on when you’re born – as do your perceptions of risk. Focus on what you can control.The uselessness of peer group benchmarksWhy there will always be bubbles and crashesAvoiding fads/The danger of speculation – how losses are disproportionately badESGInvestment consultants