Six Arrows Consultancy

Helping people and enterprises with guidance on how they can manage their financial life cycles better. Not an investment or financial planning advisory.

[Six Arrows Consultancy @arrows_six]

Missing just the 10 best days in the S&P 500 over 20 years cuts your returns by more than half.

Those 10 days often come right after the worst days.

Stay invested.

#TimeInTheMarket #WISE #SixArrows

[Six Arrows Consultancy @arrows_six]

Insurance is Wealth Preservation.

You can't build wealth if one bad event destroys it.

✓ Life insurance
✓ Income protection
✓ Critical illness
✓ Health cover (essential abroad)

Cover the risks. Protect the plan.

#Insurance #WISE #SixArrows

[Six Arrows Consultancy @arrows_six]

CFDs and leveraged products:
10x leverage = a 10% move against you wipes out your stake.

Brokers profit from your losses.
Retail loss rates are disclosed on their sites. Read them.

#Leverage #TradingRisk #SixArrows

[Six Arrows Consultancy @arrows_six]

The S&P 500 has never had a negative 20-year return period.

The danger isn't the market.
It's short-term thinking applied to a long-term tool.

Invest. Stay invested. Ignore the noise.

#LongTermInvesting #WISE #SixArrows

[Six Arrows Consultancy @arrows_six]

Your emergency fund deserves a proper home.

✓ Easy-access savings account
✓ FSCS-protected (UK: up to £120K)
✓ 4–5% interest (shop around)
✗ Never stocks or crypto

#EmergencyFund #WISE #SixArrows

[Six Arrows Consultancy @arrows_six]

Property can be excellent for wealth building.
But it's not passive.

→ Budget 1–2% of value/year for maintenance
→ Mortgage doesn't stop during void periods
→ You can't sell half a house in an emergency

#PropertyInvesting #WISE #SixArrows

[Six Arrows Consultancy @arrows_six]

25-year-old investing £300/month at 8%:
→ Age 55: £400,000+

35-year-old doing the same:
→ Age 55: £175,000

Same money. Same returns. 10 years difference.

Start now.

#CompoundInterest #Investing #WISE

[Six Arrows Consultancy @arrows_six]

Every trade needs three decisions BEFORE you enter:
1. Entry point
2. Profit target
3. Stop loss

Without a stop loss, hope becomes your risk management strategy.

And hope is not a strategy.

#TradingRules #WISE #SixArrows

[Six Arrows Consultancy @arrows_six]

A dividend is a signal.
It tells you:
✓ Real cash generated
✓ Disciplined management
✓ Financial health

Target: yield 4–7%, payout ratio <70%, 5+ years of growth, low debt.

#DividendInvesting #WISE #SixArrows

[Six Arrows Consultancy @arrows_six]

Index funds. Low cost. Global diversification. No stock picking.

The S&P 500 has averaged ~10% per year over 50 years.

Simple doesn't mean inferior.
In investing, simple usually wins.

#IndexFunds #WISE #SixArrows

[Six Arrows Consultancy @arrows_six]

Inflation at 5%: £100k becomes £61k in real terms after 10 years.

Doing nothing is the most expensive decision.

Wealth Preservation is active — not passive.

#WealthPreservation #Inflation #WISE #SixArrows

[Six Arrows Consultancy @arrows_six]

E — Emergency Cash Funding
Your emergency fund has one job:
Be there when everything else isn't.

3–6 months of expenses.
Separate account. Instant access.
Never invested.

Build it before you need it.

#EmergencyFund #WISE #SixArrows

[Six Arrows Consultancy @arrows_six]

S — Short-Term Trading
Short-term trading is a skill.
Not a hobby. Not a feeling.

Rules before entry:
✓ Entry point
✓ Profit target
✓ Stop loss

No rules = gambling.

#TradingDiscipline #ShortTermTrading #WISE #SixArrows

[Six Arrows Consultancy @arrows_six]

I — Investing
£50/month at 8%/year:
→ 10 years: £9,200
→ 20 years: £29,500
→ 30 years: £74,500

You don't need to be rich to invest.
You just need to start.

#Investing #CompoundInterest #WISE #SixArrows

[Six Arrows Consultancy @arrows_six]

W — Wealth Preservation
Gold doesn't pay dividends.
But it doesn't disappear either.

In 5,000 years of human history, it's never been worth zero.

For Wealth Preservation, 5–10% in gold is a hedge — not a bet.

#WealthPreservation #WISE #SixArrows

[Six Arrows Consultancy @arrows_six]

Wealth Preservation → Protect
Investing → Grow
Short-Term Trading → Control
Emergency Fund → Secure

Financial literacy is not a luxury. It's a necessity.

Share this with someone who needs it.

#WISE #SixArrows

[Six Arrows Consultancy @arrows_six]

Are you buying time or selling it?

Buying: investing, automating finances
Selling: consumer debt, lifestyle inflation, failing to invest

Every financial decision either buys or sells your most valuable asset.

What did your last decision do?

#TimeAndMoney #WISE #SixArrows

[Six Arrows Consultancy @arrows_six]

Why smart people make poor financial decisions sometimes:

→ Anchoring on purchase price
→ Herding
→ Overconfidence
→ Status quo bias

Build rules-based, automated systems.
Remove emotion from decisions where feelings cost returns.

#BehaviouralFinance #SixArrows

[Six Arrows Consultancy @arrows_six]

Professionals ask: "What's the worst case, and can I survive it?"

Most retail investors only ask: "What's the upside?"

Stress test your portfolio.
Protect the downside.
Let the upside take care of itself.

#RiskManagement #WealthPreservation #SixArrows

[Six Arrows Consultancy @arrows_six]

The anti-budget:

1. Automate savings and investments on payday
2. Automate fixed bills
3. Spend the rest freely

No spreadsheets. No categories. No guilt.

The key: the automated amounts must be right.

#Budgeting #PayYourselfFirst #WISE #SixArrows