MoneyWeek Talks The investment mistakes not to make
5 snips
Dec 23, 2025 
Andrew Craig, best-selling author and founder of Plain English Finance, and former equities professional, breaks down investing basics with clarity. He contrasts trading with long-term investing. He explains risk as time-horizon dependent and the 100-minus-age rule. He argues why UK equities and active managers can offer opportunities alongside passive core holdings.
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Age-Based Asset Allocation
- Use the 100 minus your age rule to set equity exposure and rebalance every 5–10 years.
- This keeps risk age-appropriate and avoids catastrophic losses near retirement.
Investing Is Not Trading
- Investing and trading are fundamentally different activities with different time horizons and skills.
- Conflating them leads many new investors to lose money and abandon long-term investing.
Keep It Simple Early On
- Start with a global equity index plus some cash, bonds and gold and invest regularly from your 20s.
- That simple approach compounds into life-changing wealth over decades.
