behavioural finance

Psychological ownership of your pension pot drives saving behaviour more than any rate of return.

Track every pound you spend for one month. You'll spend less without trying.

Four sociological markers that signal speculative mania — regardless of asset class

Master theory, history, psychology, and business — then everything else follows

Design for the worst 1-2% of times — that's when compounding breaks

Build systems that override your investing reflexes.

Auto-enrol the easy 90%, then go hunt the missing 45% deliberately

Outsized bonuses tied to annual P&L manufacture the exact behaviour they're meant to reward