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Guidelines for your financial life

15 Jul 2019

Andrew Canter / Chief Investment Officer

Article

Comments on personal financial planning, savings, investment, home ownership and more.

This financial summary was inspired by Harold Pollack’s “Index Card: 9 Easy Rules for Personal Finance – Everything you need to know about money” based on the idea that all the key elements of financial planning could be fit on an index card!

This is an introductory framework for establishing a long-term personal financial plan and investment programme. As each of us have our own circumstances, risk-appetite, tax situation and financial literacy, this document cannot serve as a financial or investment plan. Rather, it is a set of guidelines for those new to the journey of thinking about their life’s financial plan. This summary cannot cover all the factors that come into personal financial planning.

While many of the comments are widely applicable, it is written for people who are formally employed, broadly in the middle-class and in the earlier stages of their career: For example, a 24-36 year old, earning enough to save, and ready to be concerned about their long-term finances.

These are Andrew Canter's personal reflections and represent “pointers he’d give to a friend”. This is a living document, and your feedback, suggestions and questions are welcome.

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