Sam Instone

Most investors expect major shocks every decade or so. The years since 2020 haven't followed that pattern

Beware the urge to act when everything else in life seems chaotic

Financial products are designed and sold by an industry that depends on you feeling either anxious or excited

Financial institutions often benefit from the complexity and discomfort of staying invested during turbulence

The metals have genuine real-world applications, but as financial assets, they produce nothing

Dominant companies are broader and more resilient than they appear

Experiences tend to linger in our minds while objects fade into the background

Routine maintenance prevents minor issues from becoming expensive problems

It is now likely to be flexible, health-focused and internationally connected

Start with small, manageable steps but consistency is vital

Investors must become comfortable with feeling under-allocated to the hottest trends

Everyone’s running, but we’re all in it for different reasons

Emotional awareness and self-control help resist the urge to act out of fear or greed

The calmer, steadier approach to money often wins over the clever, reactive one