Most people think investing is about finding the best asset.
It isn’t.
Long-term investing is about building a structure, a system that keeps you calm, consistent, and invested no matter what markets do. The goal isn’t to beat anyone else. It’s to build freedom over time without stress.
This is my investing plan for 2026. It’s designed for real life mortgages, kids, fluctuating income, and the reality that markets don’t move in straight lines.
If you value simplicity, low fees, tax efficiency, and long-term thinking, this framework will feel refreshingly boring, and that’s exactly why it works.
The Core Philosophy Behind My Investing Plan
My approach to investing is built around four non-negotiables:
1. Low Fees
Costs compound just like returns, but in the wrong direction. Keeping fees low is one of the few things you can fully control.
2. Tax Efficiency
Using ISAs, pensions, and the right structures matters more than chasing an extra 1–2% return.
