That picture I shared at the beginning of this page? That’s what I enjoy most about writing Investment Talk. Over the years I have been able to talk to investors I’d never dreamed of talking to before; fund managers, tenured professionals, and other analysts. I’ve also been able to connect with hundreds of fellow retail investors, share ideas, make genuine friends, and learn from them.
The goal for me is to improve the quality of my writing, the value that it brings readers, and how much they enjoy the writing that I share. As a reader, cryptocurrency strategies you are always welcome to reach out and say hi. I am a 27-year-old who grew up in Germany & England before migrating back to my homeland of Scotland.
Truth be told, while there are platforms with greater product depth than Substack, I find that it does everything I need and I am content with it for the time being.
Make sure you fully understand the products before you invest. The most important thing is finding an advisor that you can trust will make recommendations in your best interests, and not try to sell you based on their own agenda. Indrani and John discuss divergence and dispersion in financial markets—where impact … I currently write on Substack but have experimented with several others in the past.
If you are looking for alpha, then let me know if you find any, because I am too. Almost all annuities have a surrender fee schedule. This means that instead of paying an upfront fee or load when you invest, you will only be charged a fee if you pull your money out before the initial 10 years. These bonuses do not equal real dollars being instantly added to your account value. While they can serve a purpose for certain annuity strategies, be wary of any agents that use bonuses in their sales presentation to you.
That was the reason I created a Twitter account in the first place; to expand my social circle as it relates to investing. When I was travelling to Paris with my partner, I shared a picture of the Eiffel Tower and received a message from Leandro to the effect of “I’m flying into Paris tomorrow”. We arranged to meet in person for the first time, after having chatted for hours previously on Zoom and in direct messages. My partner and I, as well as Leandro and a few of his close friends all met, had lunch, drank beer, and had a terrific time. It’s wonderfully random moments like that which make me enjoy life so much, and the newsletter facilitates things like that. Sometime during my studies, I realised that I while I love economics, it wasn’t a career path for me.
Think of your fixed index annuity as having two buckets. The “accumulation value” bucket is your real money. This is the account value that will grow with the investment strategy and decrease whenever you withdraw money. In most cases, this value is what you will leave to your beneficiaries when you pass. Fixed index annuities provide principle protection with potential for growth. Your growth is tied to whatever crediting strategy you are invested within the annuity product you choose.
Our licensed annuity experts will compare your old annuities to see how they compare with new products, and if it makes sense for you to stay put or make a change. I don’t optimise for Twitter growth, but it was a pivotal factor in building my newsletter audience early on. Today, I rely more on recommendations and sharing from my existing network of readers. There are people who really know how to lubricate the Twitter engine. The writing game is full of many wonderful people. Ask them for advice, and feedback, and be open to helping them in any way you can.
I originally started writing about my own portfolio, companies and their reported earnings. There are so many investment research, finance, or money blogs out there. The best ones are those where the readers are there to hear what you have to say.
We are also independently licensed, which means we are contracted with most insurance companies and can shop carriers to find the best annuities for you. financial innovation The short answer is, through trial and error, consistency, and hundreds of thousands of words. I see many people throw in the towel after six months.
They are not designed to be a recommendation to buy any specific financial product or service. Products change and such product concepts may not be suitable for your needs or available in your state. The reviews represent the experience of select DE’s clients, which may not be representative of all customers.
Elsewhere, I am immensely passionate about investing, cooking, and travelling. If you chose to purchase an income rider then you will have a “second bucket” called future income value. This value is a calculation based on your accumulation value growing at a certain rate provided by your income rider. As this value grows, so will the future monthly income dollar amount that the insurance company agrees to pay you and spouse (if joint income rider) for life. In some ways similar to how social security payouts work.
I had been fascinated by how money and businesses work since a young age, and this transgressed into a love affair with investing. To me, the investment landscape is a living-breathing study of human behaviour, and it’s what I am passionate about. Once Investment Talk began building steam in 2020, I left my role as a data jockey at an investment reporting solutions company and focussed on the newsletter full-time. This was possible due to being selected for the Substack Pro program. Here is a memo I wrote in March reflecting on my first three years.