Plain English Finance

Our mission is to improve the financial affairs of as many people as possible. PEF founder @andyroocraig has some best selling books to get started...

[Plain English Finance @pef_uk]

19% of girls and 12% of boys born in 2024 are expected to live past 99, according to the ONS. This @MoneyWeek article looks at what rising life expectancy means for retirement planning, and why compound growth matters more than most people realise.

https://t.co/ARS2OGaV9A

[Plain English Finance @pef_uk]

SpaceX, Anthropic and OpenAI could add $4 trillion to US market value in months. @TheEconomist thinks the market can absorb it in the short term, but are more cautious in the long-term, especially for the passive funds that will be forced to buy in.

https://t.co/ATt0F30hoA

[Plain English Finance @pef_uk]

Gold rose 64% in 2025 and hit an all-time high of $5,595 in January, then fell 14% as the Iran war triggered a wave of selling.

@MoneyWeek looks at why that counterintuitive reaction happens, and what it means for gold's longer-term case.

https://t.co/Tplt3ANL0C

[MoneyWeek @MoneyWeek]

Is the ‘British stocks are rubbish’ narrative finally coming to an end?

Andrew Craig of @pef_uk discusses why the UK stock market now has the best buying opportunities.

🎙️@andyroocraig on MoneyWeek Talks.

[Plain English Finance @pef_uk]

The global economy is set to hit $126 trillion in 2026. Just four countries account for roughly half of it.

This is a really interesting chart. Are there any surprises...countries you thought would be bigger or smaller portions of the global economy?

https://t.co/AmD8BktUwX

[Plain English Finance @pef_uk]

'In America, people want to risk-take. In the UK, people fear failure.'

Gresham House CEO Anthony Dalwood on what's driving entrepreneurs away from the UK, and why that matters for British capital markets.

@andyroocraig

https://t.co/rgGaGwSR8G

[Plain English Finance @pef_uk]

'Explaining why things might go wrong is seen as more sophisticated than believing things will turn out well.'

@TheEconomist on why optimism gets underrated, and why that has real consequences.

Sounds familiar @andyroocraig

https://t.co/ItPNRVqZMi

[Plain English Finance @pef_uk]

'Market flows used to be background noise. Today they're a primary driver of returns.'

@simonevancook on passive dominance, the distortions it's creating in UK markets, and why patient investors may be looking at a significant opportunity.

https://t.co/I0Nu2HVoGE

[Plain English Finance @pef_uk]

'Pessimism always sounds smarter than optimism because optimism sounds like a sales pitch while pessimism sounds like someone trying to help you.'

One of many sharp lines from Morgan Housel's excellent blog piece.

A quick read, but a lot to think about.
https://t.co/FWlxVtdpcW

[Plain English Finance @pef_uk]

From April 2027, UK pensions enter the IHT net. Families will have just 6 months to locate every unused pot or face HMRC penalties up to £3,200.

The "detective work" falls on executors. Clear record-keeping is now a vital administrative priority.

https://t.co/lQHCUxJM7b

[Plain English Finance @pef_uk]

Gene therapy is now restoring hearing and sight to those born without them. These are amazing feats of human progress.

While costs are high today, market innovation is the engine that makes these miracles accessible.

@andyroocraig

https://t.co/ZEzVxt2IWv

[Plain English Finance @pef_uk]

Tony Blair’s think tank is proposing a "Lifespan Fund" to replace the under pressure state pension and scrap the triple lock.

Building your own retirement pot through long-term investment can reduce reliance on the state pension.

@MoneyWeek

https://t.co/5RKDWnLkVy

[Plain English Finance @pef_uk]

The UK has been in the bottom quartile for private investment since 1993. With £2.3tn in "idle cash" sitting in bank accounts, our businesses can't grow and youth unemployment persists. We need to get that capital into our companies. @82bristol @CapX

https://t.co/ZuuRpkAIzm

[Plain English Finance @pef_uk]

The ultra-wealthy are currently buying everything from rare art to 66-million-year-old dinosaur skulls. 🦖

But you don’t need a fossil to build wealth. By owning the world and staying diversified, anyone can see a huge change in their financial outlook.

https://t.co/xX4TFTmXJa

[Plain English Finance @pef_uk]

This is a great piece by @morganhousel on the goal of wealth: making life so much better that the next generation looks "spoiled" relative to the last. It isn't a failure of character, it is the intended result of progress.

A fantastic read on legacy.

https://t.co/Ft8UJRsbR5

[Plain English Finance @pef_uk]

Nvidia has made history as the first $5 trillion company. Earnings grew from $4.4bn to $120bn in just three years. For global index investors, it is a reminder that a broad strategy captures these market leaders automatically as they grow. 🌍

https://t.co/hYUAd9touh

[Plain English Finance @pef_uk]

As we come to the end of financial literacy month @andyroocraig highlights a deeper issue: the decline of reading. Reading is the single biggest predictor of success, yet 2 in 5 people read zero books in 2025. It is time to focus on literacy itself.

Link: https://t.co/yyVk241sKc

[Plain English Finance @pef_uk]

Recently @andyroocraig joined Farzin Irani on the 'Connecting the Dots' podcast to discuss why financial literacy is the foundation of wealth, the flaws in the education system, and why a boring approach to investing has a higher probability of working

https://t.co/VascrjlYyJ

[Plain English Finance @pef_uk]

UK innovation is moving backwards. Patent filings have dropped from 727 to 677 per million since 2000. When the business environment is too slow, expensive, and uncertain, growth stalls and investment moves elsewhere

@a2yushma @CapX

https://t.co/rjqsRx1jzN

[MoneyWeek @MoneyWeek]

(1/2) What is the greatest invention in history? It’s not the smartphone or the internet, but rather capital markets, says @andyroocraig, founder of @pef_uk.

#investing #pensions #wealth #financialfreedom #money