Make It Stack

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.

Welcome to the "Make it Stack" podcast by Cayton Analytics with your host Will Waterhouse, the podcast designed to demystify the world of saving and investing for young people. In this episode I speak with Logan Colhoun aka @the_market_minute on Instagram. Logan is an avid value investor based in the US who is constantly on the look out for mis-priced securities that look attractive based on company fundamentals. Key topics discussed: Logan's investment journey Options Trading Discounted Cashflow Modelling Ebay, Meta and Ally Financial Agricultural ETFs The Chinese market Logan's Investing mistakes The importance of due-diligence The recent growth of Texas Want to get in contact with Logan? You can reach out to him on Instagram. Want to get in contact with me? Use the following channels: Instagram: @_makeitstack Facebook: Make It Stack 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 the "Make it Stack" podcast by Cayton Analytics with your Will Waterhouse, the podcast designed to demystify the world of saving and investing for young people. In this episode I speak with Dan Robertson - an investment professional who works in the investment consultancy industry. Key topics discussed: His personal investment journey which started as a young teenager, Real Estate Investment Trusts (REITs) & Primary Bids (for the participation in rights issues, IPOs and other corporate actions). Check out the Primary Bid website: link here Want to get in contact with Dan? You can reach out to him on Instagram and linkedin! Want to get in contact with me? Use the following channels: Instagram: @_makeitstack Facebook: Make It Stack 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 unpack financial freedom. How can this actually be achieved? Topics Discussed/Key Summary: Financial freedom can be defined as the situation where the natural yield on your invested capital is enough to sustain your desired standard of living. The amount of invested capital required for financial freedom = Desired level of annual income divided by annual yield (% p.a). There is a trade-off between yield and portfolio risk. Whilst a higher portfolio yield boosts the income your capital generates per £ invested, it is likely subject to greater risk and severe capital depreciation. The yield on your portfolio can vary with market conditions. Be flexible with your spending levels. Financial freedom is a phase in life where you are no longer trading your time for money. This is liberating as it allows you to focus on things which truly matter. Follow me on Instagram: @cayton_analytics Website: https://caytonanalytics.com/ Read my blog here! This podcast is for educational purposes only and should not be construed as financial advice.

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 about inflation - what is it and why does it matter to investors? Topics Discussed/Key Summary: How is inflation calculated? Why should investors care about inflation? How has inflation fluctuated historically? In inflationary environments, who are the winners and losers? How will equities perform in an inflationary environment? Ultimately, investors need to ensure that the return on your assets > inflation to prevent your wealth being eroded over time. Follow me on Instagram: @cayton_analytics Website: https://caytonanalytics.com/ Read my blog here This podcast is for educational purposes only and should not be construed as financial advice.

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 speak with Wes and Josh a.k.a "@investingwithwes" and "@clenshawfinance" on instagram. Topics discussed: Their personal investing journeys The future of chinese equities and Alibaba How to carry out fundamental analysis When is it the right time to exit a position and take profits? The Youtube channel "everything money" The importance of using stock watchlists Want to get in contact with Wes? Check out his channel here: @investingwithwes Want to get in contact with Josh? Check out his channel here: @clenshawfinance Want to get in contact with me? Send me message! Instagram: @cayton_analytics Facebook: Cayton Analytics 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 speak with Tom a.k.a "@zonefinanceuk" on instagram. Tom works in accountancy and is passionate about improving financial literacy by breaking down key concepts into a simple way. Budgeting is key area he focuses on, specifically: Emergency Funds Sinking funds Money Dashboard allowing him to view all accounts in one place Want to get in contact with Tom? Get in contact through the following channels: Instagram: @zonefinanceuk Twitter: @zonefinanceuk Want to get in contact with me? Send me message! Instagram: @cayton_analytics Facebook: Cayton Analytics 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 speak with Joshun Sandhu a.k.a "bemoreshrood" on instagram. Joshun is an investment professional who encourages financial literacy through education. He has also launched a smart phone application to promote investing in a responsible way which is pretty slick! Want to get in contact with bemoreshrood? Get in contact through the following channels: Website: shrood.uk Instagram: @bemoreshrood Email: joshun@shrood.uk Want to get in contact with me? Instagram: @cayton_analytics Website: https://caytonanalytics.com/ This podcast is for educational purposes only and should not be construed as financial advice. 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 about the infamous Bear Markets over the past 100 hundred years and the impact of the S&P 500 (the US equity index). How severe were they and how long did they last? Topics Discussed/Key Summary: 1.The Wall Street Crash (1929) Max drawdown 86%. Duration 25 years. 2.The Oil Price Shock (1973) Max drawdown 48%. Duration 7 years. 3.The Dotcom Bubble (2000) Max drawdown 47%. Duration 7 years. 4.The Global Financial Crisis (2007) Max drawdown 56%. Duration 7 years. 5.COVID-19 Pandemic (2020) Max drawdown 32%. Duration 0.5 years. Investors should acknowledge and respect what history tells us and keep these scenarios at the back of our minds. This will mean that you'll keep your head when others around you are losing theirs when the markets go through another rough patch. Instagram: @cayton_analytics Website: https://caytonanalytics.com/ Read my blog here This podcast is for educational purposes only and should not be construed as financial advice.

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 about holding cash vs. stocks. How have they performed over the last few decades and when should you consider increasing/decreasing your allocation to each asset class? Topics discussed: Have have stocks and cash performed over the long term? Is tide turning against cash? How much cash should you hold? Key takeaways: Over the long run, stocks have massively outperformed cash as a means of saving. Cash has become significantly less attractive as a method of long term saving post global financial crisis. The trend will likely continue given the expansionary monetary policy to combat COVID-19. The longer your investment time horizon, the greater your chances of success in the stock market As a general rule of thumb, individuals should have a rainy day fund which covers 6 months' expenses. If you are looking to make a large purchase in the near future you should increase your cash weighting to mitigate downside risk. Don't sit on significant excess cash. The consequences of doing this could burn a hole in your wallet after inflation Instagram: @cayton_analytics Website: https://caytonanalytics.com/ This podcast is for educational purposes only and should not be construed as financial advice.

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 about Defined Contribution Pensions. Topics discussed: Introduction to DC pension, default strategies, pension consolidation and my personal pension arrangements. Key takeaways: Your Defined Contribution (“DC”) pension builds up using your monthly contributions along with your employer's. Contributions are invested into a diversified portfolio which may consist of shares, bonds and alternative investments. Your pension pot is subject to investment risk – this will decrease as you approach retirement automatically (unless you opt to choose your own investments). Taking too little investment risk can compromise your final pension value. Instagram: @cayton_analytics Website: https://caytonanalytics.com/ This podcast is for educational purposes only and should not be construed as financial advice.

Welcome to Make it Stack, the podcast designed to demystify the world of saving and investing for young people. In this episode, Will and Joe converse with Sandy Eyre. Sandy is a final year business student who originally sought alpha through various online business ventures such as drop shipping and flipping goods on ebay. Recently, he has diversified and purchased a student house in Lancaster as a way of producing a high yield in an ultra low interest rate environment. We go on to talk about Sandy's investment history - including his stock punts in UK value and AIM listed stocks. Topics discussed: Ecommerce, Student Property Investment, UK Value and High income stocks.

Welcome to Make it Stack, the podcast designed to demystify the world of saving and investing for young people. In this episode, Will and Joe converse with Toby Maxted who works for a large UK investment platform and is keen to pursue his interest in Forex. Topics discussed: Warren Buffdaddy, Forex trading for retail investors and Toby's personal investing journey. Stay safe and ride the vol. Cheers

Welcome to Make it Stack, this episode involves the first guest on the podcast, Mark Ellis. Mark is a good friend of mine who works in corporate finance and focuses on securing equity finance for a wide variety of start up enterprises. One source of finance for these companies is through backing from venture capital trusts (VCTs) which is an alternative asset class for retail investors. We discuss VCTs and the relationship with investors in detail and move on to talk about Mark's personal investing. We finally touch upon the impact of the changing pensions landscape, in particular defined contribution pension funds and the importance of taking personal financial responsibility.

Welcome to Make it Stack, In this episode, we talk about the factors that investors can control, namely the minimising of investing costs (fund manager and platform charges) and periodic portfolio rebalancing. We also touch upon the dangers of retail spread betting accounts with excessive leverage. #ridethevol (but avoid margin calls wherever possible) Peace

Welcome to Make it Stack! In this episode we talk about the exciting opportunity of investing in china, specifically the A share market which is becoming increasingly open to overseas capital. We also bring up the current debate of active vs. passive investing and how these strategies can fit into a investment portfolio. #ridethevol. Peace.

Welcome to Make it Stack! In this episode we talk of the dispersion seen in stock market performance with sectors such as technology going from strength to strength and other sectors falling by the wayside in the wake of Covid-19. Will & Joe share their thoughts on Lifetime ISAs and the potential use for young UK tax residents. A lifetime ISA can be opened by an individual aged between 18-39. Up to £4000 can be added each tax year with the UK government contributing a 25% bonus on the value of all subscriptions. In our opinion, this provides a good platform for leveraging returns as all the cash can be invested. The catch is that the money has to be used for a first time house purchase or withdrawn for retirement (>60 years old) otherwise you will incur penalties. Please see this link for more information on LISAs: https://www.moneyadviceservice.org.uk/en/articles/a-guide-to-lifetime-isas#:~:text=Lifetime%20ISAs%20(also%20known%20as,set%20limit%2C%20every%20tax%20year. Stocks discussed: Ocado, Morrisons, Tesla, Spotify. Stay strong and "Ride The Vol" Peace.

In this episode, we talk about taking the plunge and attempting to formulate a way of deciding how to allocate money to the stock market.

Episode #1: A short narrative about our investing stories and a whistle stop tour of our current portfolios. Much more detail to come in future weekly episodes - stay tuned!