Make It Stack Will Waterhouse

In this episode, I talk about how you can protect your cash savings from inflation.

Key summary:


Inflation in the developed world has increased substantially due to a variety of factors including the war in Ukraine, supply chain issues, the expansion of the money supply and the global economy emerging from COVID-19.
Inflation is an insidious force which reduce the value of cash over time if you aren't careful. The value of money has fallen by c15% since the beginning of 2020.
Call to action: protect your cash from inflation by depositing it in an account with the highest possible risk free interest rate. Competitive interest rates for savings accounts are currently >4.8% p.a.


When depositing money in a savings account, please also consider: 




Is your money safe? i.e. FSCS protected. 
Is admin/monitoring simple? Active Savings is a good tool which I use.   
Deposit limits? Make sure you are eligible to receive the headline rate.  
Your liquidity profile? Use easy access accounts for your “rainy day” fund. Consider fixed term accounts if you want to try and lock in a “better rate for longer”. 


Other useful links to competitive cash savings accounts:


Money Saving Expert
Money.co.uk

Want to get in contact with me? Use the following channels:

Instagram: ⁠⁠@_makeitstack⁠⁠  TikTok: ⁠⁠MakeItStack⁠⁠  Website: ⁠⁠https://caytonanalytics.com/⁠⁠  Email: william.waterhouse@cayton-analytics.com

Disclaimer: This podcast is for educational purposes only and should not be construed as financial advice. If you are unsure of making any investment decision, please contact your financial advisor.

In this episode, I talk about my investment blunder - which was buying Beyond Meat shares.

Key summary:


In August 2020, I purchased £1000 worth of Beyond Meat Inc - a then trendy company in the plant-based meat industry which looked to be capitalising on the demographic shift in the Western World to a more environmental/ethical diet.   
Since investing, poor company management, industry headwinds and rising interest rates have caused the stock price to fall from $131/share (my entry point) to c.$8/share. I'm sitting on a paper loss of 93%. 
Whilst this has been a bitter pill to swallow, I have taken three stock picking lessons from this:


Beware of confirmation bias 
Have a clear exit strategy 
Calculate a target price with discounted cashflow analysis and don’t overpay 


Whilst buying Beyond Meat was a large error, I’m glad that it’s happened early on in my career. This reduces the change of making similar errors in future with more meaningful sums of money. 

Link to discounted cashflow model video here.

Want to get in contact with me? Use the following channels:

Instagram: ⁠@_makeitstack⁠  TikTok: ⁠MakeItStack⁠  Website: ⁠https://caytonanalytics.com/⁠  Email: william.waterhouse@cayton-analytics.com

Disclaimer: This podcast is for educational purposes only and should not be construed as financial advice. If you are unsure of making any investment decision, please contact your financial advisor.

In this episode I speak with Ato aka SavvyWallet who is passionate about getting as many people onto the financial freedom train as possible. 

After struggling with money as a student and getting a black mark on his credit score, Ato decided to make a change. He started budgeting, improving his credit score and started on the journey to become more investment savvy. In the podcast we talk about how you can improve your credit score, his experience in peer to peer lending, financial education and the importance of staying the course as long term  investors – where you are able to ride the rough with the smooth.

Key topics discussed:


What are Credit scores and how do you improve them? 
Peer to Peer lending (Innovative Finance ISAs) - link to Prop Lend here
Ato's Investment Portfolio and stock picks (Meta, Alibaba, Intel) 
Financial education and the importance of having an open dialogue.
The benefits of long term investing. 

Want to get in contact with Ato? You can reach out to him on the following channels:


Instagram
TikTok
Youtube

Want to get in contact with me? Use the following channels:

Instagram: @_makeitstack  TikTok: MakeItStack  Website: https://caytonanalytics.com/  Email: william.waterhouse@cayton-analytics.com

Disclaimer: This podcast is for educational purposes only and should not be construed as financial advice. If you are unsure of making any investment decision, please contact your financial advisor.

Keep calm and ride the vol.

Welcome to "Make it Stack" with Will Waterhouse, the podcast designed to demystify the world of saving and investing for young people.

In this episode, I talk with Wes (@investingwithwes) and Jack (@zebuthegreat) who are both keen value investors and try to pick stocks at a discount to their true intrinsic value based on thorough research.  

Topics discussed:


2017 Crypto-mania
Wes & Jack's portfolios and investment philosophy 
Is the Chinese stock market undervalued? 
What are 'Special Situations" 
Group chats - don't get yourself in an echo chamber! 
Lessons learned for growth investors
The role of cash in portfolio management 

Want to get in contact with Wes? Check out his channel here: @investingwithwes

Want to get in contact with Jack? Check out his channel here: @zebuthegreat

Want to get in contact with me? Use the following channels:

Instagram: @_makeitstack  TikTok: MakeItStack  Website: https://caytonanalytics.com/  Email: william.waterhouse@cayton-analytics.com 

Keep calm and ride the vol.

Disclaimer: This podcast is for educational purposes only and should not be construed as financial advice. If you are unsure of making any investment decision, please contact your financial advisor.

Welcome to "Make it Stack" with Will Waterhouse, the podcast designed to demystify the world of saving and investing for young people.

In this episode, I discuss whether you should pay off your (UK) Student Loan early. Is it worth doing if you have a lump sum? 

Topics Discussed/Key Summary:

For a graduate in their mid-twenties with £50k of student debt…


Paying off the student loan early makes most sense if you have a medium/high salary of >£45k AND forecast salary growth to be above inflation over the long term.
Paying off the student loan early makes least sense if you are on a low income with a poor wage growth outlook (below inflation).

Deciding to pay off your student loan early is a complex decision and it hinges on long term factors which can be difficult to predict. A great deal of care should be taken before deciding to “pull the trigger” and pay it off with a lump sum.

Consider the opportunity cost of any spending/investment decision. Choosing to pay off the loan early forgoes the opportunity to invest for the long run (in stocks or real estate). Depending on your individual circumstances, this may not maximise your wealth.

Want to get in contact with me? Use the following channels:

Instagram: @_makeitstack  TikTok: MakeItStack  Website: https://caytonanalytics.com/  Email: william.waterhouse@cayton-analytics.com

Keep calm and ride the vol. 

Disclaimer: This podcast is for educational purposes only and should not be construed as financial advice. If you are unsure of making any investment decision, please contact your financial advisor.

In this episode I speak with Lewis Harding aka @lewishardinginvest on Instagram. Lewis is an accountant by trade and based up in Yorkshire (god's own country). He also an avid property and value investor who intends to build multiple sources of income through stocks, real estate and businesses.  

Key topics discussed:


Lewis' investment journey
His Target Asset Allocation
Commodity (Uranium) Investing
Venture Capital Investing (seedrs and crowdcube)
Investment Platforms
Lifetime ISAs & De-risking
Lewis' value investing approach.

Want to get in contact with Lewis? You can reach out to him on Instagram or visit his website at www.lewishardinginvest.com!

Want to get in contact with me? Use the following channels:

Instagram: @_makeitstack  TikTok: MakeItStack  Website: https://caytonanalytics.com/  Email: william.waterhouse@cayton-analytics.com

Disclaimer: This podcast is for educational purposes only and should not be construed as financial advice. If you are unsure of making any investment decision, please contact your financial advisor.

Keep calm and ride the vol.