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I am a pharmacist with experience in the UK primary care system. I don't look at healthcare from a spreadsheet; I understand the reality of the front line.

Latest

12
Jan

The Jockey and the Horse: Is Novo Nordisk a Fundsmith Scapegoat?

Terry Smith blames Novo Nordisk for Fundsmith's 0.8% return in 2025. But with 41% obesity growth and a 15% sales surge, is the problem the horse or the jockey?
2 min read
09
Jan

The 2026 Outlook: The 'No Guessing' Rule

Most portfolio updates are a diary of feelings. This is a breakdown of mechanics. I am positioning for 2026 using an Implied Total Return framework that ignores price targets in favour of Owner Earnings and Structural Alpha.
2 min read
07
Jan

The 2026 Anti-Hype Guide: Why Professionals Fail

2 min read
05
Jan

Systems vs. Goals: A Better Way to Manage Wealth

Most 2026 investment goals fail by February because they rely on willpower. With Morningstar data showing only 14% of active managers win, here is how to build an automated "system" for your portfolio before the April FCA deadline.
2 min read
20
Dec

The Psychology of Ruin: 8 Traps to Avoid

Investing isn't about picking stocks; it's about behaviour. From panic-selling to the "momentum trap," here are the 8 psychological flaws that destroy UK portfolios.
3 min read
07
Dec

How I Mix Evidence‑Based Investing With A Small Contrarian Portfolio

A contrarian investing framework for UK investors: why following the crowd destroys returns, how to think independently, and a simple, evidence‑based way to stay the course.
3 min read
10
Nov

The Long-Term Value Strategy: Selecting High-Quality Companies for Superior Returns

My investment philosophy is centred on the pursuit of superior long-term returns while maintaining sound risk management. This philosophy integrates
3 min read
09
Nov

Risk management in equity investing

Investor’s stock portfolio has four distinct levels of risk: portfolio diversification, the quality of the companies held, the stock