On Target Newsletter

On Target is a free, moneycraft newsletter for Martin Spring’s worldwide circle of friends and contacts. 

Latest newsletter editions

On Target 2020.11.07

One of the most radical changes I’ve seen in the more than half-a-century I’ve been writing about personal finance is acceptance that understanding investment is much more than a study of facts and figures …

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On Target 2020.10.10

Things are really looking good for investors. Wall Street has been setting new all-time highs, which have been followed by a significant correction – not a negative development but a positive one.

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On Target 2020.09.12

I’ve never experienced in my long lifetime a year such as this so disruptive of one’s personal finances. Covid-19 – or more importantly, the extreme measures taken by governments to deal with it – has had a devastating impact on investments, income, employment, personal businesses.

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On Target 2020.08.15

The price of gold has surged past $2,000 an ounce and hit a new all-time high. It’s being driven by demand from investors fearful that the avalanche of stimulus by governments and central banks to fight the Covid-19 pandemic, debasing paper currencies, may ignite inflation.

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On Target 2020.07.18

You cannot avoid risk entirely, nor should you – it’s the price you pay for the prospect of higher returns. Equities generally deliver higher total returns over the long term than bonds because they’re riskier.

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The most read

On Target 2019.05.18

In managing our lives, and in particular our money, we make mistakes because we’re humans, not machines or pieces of code. They’re mistakes rooted in the ways we behave. Increasingly those ways are explained by scientists in the field of what is known as behavioural finance.

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On Target 2019.02.02

Our Diamond Wedding, which Liz and I have just commemorated, got me thinking about what are the factors that make for a happy marriage… in this case for 60 years.

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