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Multiple lines of evidence suggest future stock market returns will fall short of historical averages. Major institutions, legendary investors, and academic research all point to the same conclusion: expect 3-6% annual returns vs historical 8-10%. High valuations, demographic headwinds, and bond competition create structural challenges. Investors need realistic planning, global diversification, and evidence-based strategies.

The investing industry gives the impression that beating the market is all about skill, but the evidence tells us it's largely a game of...

Eugene Fama is one of several Nobel Prize-winning economists whose research undermines the case for using actively managed funds This is...

A debate has raged in recent years about the wisdom or otherwise of investing in government bonds. I’ve advocated their inclusion in...

President Trump's announcement on tariffs has caused a global market storm. Here are some tips on staying calm where investors panic.

Greater choice doesn't necessarily mean better outcomes for investors. Learn why active ETFs, private credit, and option-based ETFs may not

The investing industry loves to make bold predictions. Financial commentators often appear in the media claiming to foresee market trends...

If I had £1 for every time I read that index funds are too heavily concentrated in big US tech stocks I would be a very rich man. It is...

The financial markets have changed beyond all recognition since the late 1960s and early 1970s. But many investment strategies haven't.