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My view on what's going on in the financial markets and the global economy, and a few other things that might interest me from time to time.

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Spending your retirement savings
I wrote about portfolio allocation pre-retirement a few weeks ago. This article is about “sizing” your drawdowns after you retire.
tim@emorningcoffee.com
Dec 7, 20238 min read
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Personal portfolio allocation
This article is about the allocation of yours savings across different asset classes to maximise returns given your risk profile
tim@emorningcoffee.com
Nov 30, 20237 min read
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Happiness and wealth
Happiness is the prize, wealth can be a by-product by following a few simple rules, and starting early in life.
tim@emorningcoffee.com
Nov 15, 20234 min read
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3Q2023 portfolio update
The 3Q23 was not good for stocks and bonds, reflected in the returns in my own portfolio. But returns YtD have been decent enough.
tim@emorningcoffee.com
Oct 26, 20234 min read
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The great reveal: 1H2023 update
This article is an update to an article I penned in February regarding my personal portfolio. For me, it's painful reading!
tim@emorningcoffee.com
Jul 20, 20237 min read
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FINANCE 101: The rationale for retirement savings plans
This article discusses the rationale for establishing retirement savings, the sooner the better. Corp plans are especially attractive.
tim@emorningcoffee.com
May 15, 20237 min read
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FINANCE 101: Savings and the time value of money
This is the first of FINANCE 101 topics, a series of articles re the basics of personal investing and financial management.
tim@emorningcoffee.com
Apr 28, 20236 min read
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