Welcome to the Occam Investing resources guide.
This page is a repository for any and all useful investing tools, calculators, and widgets I’ve come across.
The list is continuing to grow, so if you use anything which you think is useful and isn’t listed here, please let me know.
Your asset allocation is driven by your risk profile. The following online risk tolerance questionnaires will have a stab at guessing yours based on your responses to a few questions. But don’t take their output as gospel though – there’s more to determining your asset allocation than a simple box-ticking exercise.
Fill out 11 questions, and the questionnaire spits out a recommended asset allocation.
Doesn’t produce an asset allocation for you, but at least gives you an idea of your risk profile, which you can then translate into an equity/bond split.
FinaMetrica, along with Oxford Risk, are the two main players the UK risk profiling space. You can access FinaMetrica’s questionnaire, but it’ll cost you £30. Despite its price, it’s probably the best chance you’ll get at having a scientific risk profiling performed outside of visiting a financial adviser.
Now that you’ve figured out your asset allocation, how much can you expect your portfolio to make? This post, updated annually, provides some 10 year return forecasts, along with all the underlying source data.
A great tool for comparing your ETF options. More filters and screens than you could possibly need – and not just for equities/bonds either (but it obviously doesn’t include any index funds – the clue’s in the name).
I’m still amazed how much of this site is free. It’s an incredibly useful resource for backtesting. You can backtest funds or asset classes over different time periods, and adjust weights, rebalancing frequency, withdrawals/deposits, and see all sorts of interesting stats.
Finding a broker
Plug in your portfolio value, number of trades per month, and tax wrapper and this site will figure out which is the cheapest broker for your needs. It includes regular investing plans, discounts for frequent trading, and any FX fees you might incur. And it includes user reviews, too.
It’s a great site, which I’m surprised more people don’t know about.
For those who prefer to do the maths themselves, this is the stalwart broker comparison tool. It’s a fantastic comparison table for of all the major UK brokers. It gets recommended everywhere for a reason.
This little interactive graphic from the FT calculates the impact of fund fees on a portfolio.
How long will your portfolio last? This great interactive graphic lets you input your current portfolio size and annual spending, and calculates the percentage chance of your portfolio lasting over your retirement. It uses the S&P for its return assumptions though, so take with a pinch of salt.
My top 5 recommended investing books for those just starting out with investing, plus some recommendations for more advanced investors.
A list of my favourite investing blogs. There’s a mix of UK-specific blogs and US-focussed blogs – but I’ve made sure the US blogs in the list are equally worth reading for UK investors.