Apocalypse Tomorrow? Your Guide to a Downturn

Although we’re in the midst of one of the best markets we’ve ever seen, we’re always cautious of when the next downturn will hit. So what are our options to prepare ourselves for when the down-market finally rolls around? This week marks the 8 year anniversary of the current bull market that we find ourselves … Continue reading

Child’s Play: Investing With My Children

One of the main reasons we built the Invest app was to make investing as beautiful and engaging as possible. But is the process easy enough for a child to use it? The original idea of Rubicoin was to codify long-term success in the stock market. Success in any pursuit is underpinned by behavior, and … Continue reading

Yes Boss! How To Assess Company Management

When you begin to consider new companies to invest in, one of the very first things you should look for is a good management structure. Recently, we reviewed the excellent The Little Book That Builds Wealth by Pat Dorsey for our Five Minute Read series. In it, Dorsey outlines the different ways in which companies with economic moats can generate excessive returns … Continue reading

Peak to Trough: How To Handle Stock Price Declines

Sometimes great businesses see huge stock price declines. Yet some investors manage to ride out these tough times and cleverly hold onto declining assets. Today we look at some stats that may leave you feeling more philosophical the next time your portfolio takes a hit. Warren Buffett’s business partner Charlie Munger gave an interview to … Continue reading

Just Say No: Investing Temperament

Becoming a great investor doesn’t just rely on the ability to study the market and take some risks. In fact, one of the most important attributes to have is the temperament to just say “no”. If you’re a regular reader of any financial publications, you’ll undoubtedly come across a story that tends to resurface at least two or three times a year. This story relates … Continue reading

Time To Panic? The September Sell-Off

The stock market has been a volatile place in the last few weeks, as indices struggle and stock prices fall. But is it time to panic and sell off all your stock, or is there any truth in the September sell-off? T.S. Eliot once said that “April is the cruelest month”. Obviously he wasn’t much of … Continue reading

“O Captain! My Captain!”: Visionary Leaders

How do you choose a good investment? There’s no surefire way to pick the next big winner, but investing in a visionary leader is always a good place to start!  As a young boy, Tim Duncan was one of America’s most promising swimmers. By the age of thirteen, he was already being touted to join the Olympic … Continue reading

Two Salesmen: Stock Market Perspective

During periods of market volatility, many inexperienced investors can panic and fear the worst. But with a little lesson in stock market perspective, we can see that it can actually be an opportunity for investment! There’s an old motivational story about two salesmen that I’m sure some of you have heard before. For those who haven’t, the story goes … Continue reading

Other Voices: Confirmation Bias

Sometimes it’s a lot easier to ignore the facts and simply choose what we want to believe in. But in order to become a successful investor, we need to understand the dangers of confirmation bias. “It is a capital mistake to theorise before one has data. Insensibly one begins to twist facts to suit theories, … Continue reading

Man Bites Dog: Figuring Out Financial News

Staying up to date with the major movements in the financial world is a must for all serious investors. But how do we know what stories we should pay attention to? It’s no accident that almost all of the news we consume is structured in a similar way. Any journalism graduate will tell you that … Continue reading

Diworsification: When Companies Waste Capital

When management has to decide what to do with all its leftover cash, it’s a pretty good problem to have. Unfortunately for shareholders, they don’t always make the best decisions in the end.   Dividends are the ‘old reliable’ in terms of returning money to shareholders, but stock buy-backs have become increasingly popular recently. Rather than … Continue reading

High-Risk Stocks: The Risk-Return Tradeoff

The younger you are, the more risks you should be willing to take when it comes to investing. At Rubicoin, we constantly preach about having a diversified portfolio. Having all your money in one company, or even one sector, is setting yourself up for disaster. But having a diverse portfolio means more than just picking … Continue reading

So Many Stocks, So Little Time

  For new investors to the market, there are thousands of different stock options from which they can choose from. Unfortunately, this abundance of choice can sometimes end up working against them. Many people think that the sole purpose of investing in stocks is to maximize returns. In actual fact, this is only partially true. As … Continue reading

Protecting The Castle: Economic Moats

How do some businesses manage to sustain high-profits for decades? They build themselves an economic moat! Investing would be a pretty easy business if all you had to do was invest in highly profitable companies. Unfortunately it’s not so simple. The problem with a company making high profits is that they quickly attract competition, and competition erodes margins … Continue reading

As Safe As Houses: Choosing Stocks

Deciding if a company is worth investing in is one of the most difficult parts of being an investor. But if you approach stocks in the same way you buy a house, you can make the decision process a lot easier. After a painful earnings season, minor shakeups and failed expectations can cause panic amongst retail investors. Seeing a drop in share … Continue reading

Failure and Invention: Why Founder-Led Businesses Succeed

Recent studies have shown that founder-led businesses are outperforming other companies in the S&P 500 at a staggering rate. But what gives companies who still have their founder at the helm a competitive edge?    Amazon founder and CEO Jeff Bezos published his annual letter to shareholders a few months ago. Coming in at only ten pages, it’s a … Continue reading

Ten Stocks For Ten Years

Rubicoin’s co-founder and chief investor Emmet Savage gives his thoughts on the ten stocks he would buy and hold for the next ten years. A few months ago, I wrote an article on the one stock I would buy before heading off to a desert island for 25 years. This was actually a tougher decision that you might … Continue reading

The Trough Of Disillusionment

When a new industry or business emerges, it’s easy to get caught up in the hype. But how do you ascertain the actual value of a stock? “The stock market is filled with individuals who know the price of everything but the value of nothing.” – Philip Fisher In the early 1800s, the Prussian Royal … Continue reading

Reasons Not To Invest

In times of political and financial uncertainty, investing in the stock market can seem like the worst idea possible. It’s always easy to find reasons not to invest however. As a species, we’re not especially suited to long-term investing. It doesn’t come naturally to us for a number of reasons, and that makes it difficult … Continue reading

Get Rich Slow

“The stock market is a device for transferring money from the impatient to the patient.” — Warren Buffett There are people out there who have made vast sums of money in a short amount of time via the stock market. That’s undeniable.Perhaps they invested heavily in a small biotech company right before it had a new drug … Continue reading