Stephen Wallis

Sophisticated Investor
Risk Professional
Numbers Geek

Tom

Fantastic insight into the world of alternative investments, an easy to read guide to alternative investment ideas.

Tom
Banking Consultant, Birmingham

Guy

If you’re the sort of person that hears something new and takes action to experiment and learn then don’t hesitate to sign up. Within 7 days of receiving my first report and with not much effort on my part I’d already more than broken even. And like everything Stephen talks about, the advice will compound!

Guy
Business Transformation Lead, Bath

Paul

Stephen’s guides do a great job of cutting straight to the important information you need to know and explaining it in an easy to digest manner. He covers topics often left alone by others and has a unique blend of experience that makes his viewpoint even more valuable. Definitely worth reading!

Paul
COO, Knaresborough

John Smith

I really like the tone of them. They’re easy to read and informative.

Kylie
Compliance Manager, Leeds

Have you prepared for your upcoming redundancy?

I was made redundant back in 2009 from my financial analyst job at a media firm in London.

The credit crisis (as it was known at the time) was hitting advertising hard, so our team was halved.

I was pretty happy about it as I was already planning to leave, and took the £9,000 or so to South America to see how long it would last until it ran out – which was seven months (and was chuffin amazing).

I was 28 years old, with no dependents, and a decent five figure amount sat in a high interest savings account (6%+, remember those days). I didn’t touch a penny of the capital, although I did spend the interest.

If you’ve never been made redundant before then it’s hard to imagine you’ll ever be taken into that room by HR and told you have a few months (tops) to get yourself another job.

This memory came back into my mind today as I read an article on the BBC website about four people who have had very different redundancy experiences so lucky for you dear readers, I’m going to provide you with a redundancy checklist in case you haven’t prepared for yours yet.

Feel free to email back to let me know if I missed anything.

GI checklist to ensure minimal redundancy pain:

1. Create other streams of income (such that losing your salaried income has less of an immediate impact).

2. Look at taking out an income protection policy (although I think they tend to cover you for serious illness, not simply being made redundant).

3. Create a cash savings pot of at least three months worth of total outgoings, so including food, petrol etc, not just your bills.

4. Be your own boss, and don’t make yourself redundant.

Practicing what I preach as I almost always do (plus having experienced a redundancy in the past)…

My ticking off of said checklist:

1. My family have seven streams of income.

2. We have one of these, but it does only cover me for serious illness/injury (and it covers all of our bills plus about 60% of our other costs per month).

3. Ours is currently around three months, but I tend to push it to nearer six when I can.

4. Check, and check.

You may be in a job you really like, and becoming a full time investor or business owner might not be your goal in life.

But regardless, you should be doing these four things.

And if you’re not, feel free to go away and work out how long it is before you’re maxing out credit cards just to get by each month, only able to pay the minimum off until you’ve landed that new job that’s surely just around the corner.

In my opinion, anyone who isn’t preparing themselves (especially if they have a family) for a redundancy is really naïve.

I can’t (nor want to) provide personal advice, but subscribers do get to ask me any questions they want about a previous guide. Such as happened this week, when a subscriber asked for some advice about bolting another company on to his existing one.

The knowledge I gained in the risk and finance departments of financial services (and media) companies in the corporate world has proved to be a fantastic foundation for my Guerrilla Investors work.

Subscribers leverage this.

The referral scheme is still open to applications (subscribers only), but the first step will be to subscribe of course.

Thus potentially checking off points 1 and 3 in my checklist in the very near future.

The button is here:

www.guerrillainvestors.com/subscribers

All the best,

Stephen Wallis

Copyrighted and published by FOAR Ltd

What the GI Cashback?!

The benefits of becoming a Guerrilla Investors subscriber start with the monthly guides.

These get sent out on the first of the month to all subscribers, are typically twelve to sixteen pages long, are full of what to do (less what something is), and have clear and actionable next steps for all readers.

So in themselves, these are worth the £79 per month (especially as my aim is that action takers can get ten times that in terms of value and returns).

But the most valuable aspect of being a subscriber actually comes from the two free benefits.

The first one is that you can email me about anything you read in the guides and I will personally reply to you, usually very quickly.

I won’t hand it over to a virtual assistant, or fob you off saying you can find everything you need to know in the guide, as often people will have some very specific questions.

I can’t provide personal advice, and nor would I want to (seeing as I keep telling you to sack your adviser),

But I will do my best to answer any questions, and if I can’t then I will almost always be able to point you to someone who can.

So this is benefit number one.

Number two is the one I don’t talk about very much, because it should be seen as an unexpected surprise as and when it ever happens.

In some cases I can earn marketing fees.

It’s not always the case, and it will depend on what the topic is as well as what the regulators’ view is on that particular investment area (and a few other things).

At no time will I look to push you into doing anything, remember my aim is education, not inducement.

But just as Nationwide will give you £100 if a friend or family member switches to them (most banks now do this),

And energy supplier Bulb will give you £50 if you refer a friend,

And Tide Business Banking will give you £25,

Etc etc etc.

Some of the people I speak to offer similar referral schemes.

So how does this benefit subscribers?

Well, if you can self-certify as a High Net Worth Individual or a Sophisticated Investor, and you’re a subscriber, and I can earn a marketing fee – well it seems only fair that I give a proportion of this to you.

At no point will I tell you the details about it, until the time when I get in touch to say I’m sending you a GI Cashback.

It’s my way of saying good on you action taker!

If you can’t self-certify then in some cases I can still provide this incentive, it’s just less likely and only for specific things.

Anywho, details about subscribing can be found on the homepage, if you’re so inclined:

www.guerrillainvestors.com

All the best,

Stephen Wallis

Copyrighted and published by FOAR Ltd

Brexit shmexit

Breaking news!

Something happened, then something else sort of happened, follow by something else!

I chuffin hate breaking news alerts on my phone, they’re so distracting.

The one last night was after this vote about the Brexit plan.

I believe there was then a no confidence vote, and something else will have happen today.

I find it all a bit tedious and boring.

Until there is something that actually requires me to do something different to what I was going to do the following day, I will ignore these alerts.

Today, as with every Wednesday, I spent the morning with my three-year-old son.

We played trains after breakfast, followed by trains at the train station café in our town, followed by a train game he invented at the library.

I didn’t feel the need to panic and change those plans, however important the BBC felt this news was last night.
Having said that, I have a background in risk and analysis.

So I’ve been actively seeking out, and acting on, alternative investments which are Brexit proof.

It’s why I wrote about litigation funding for January’s report.

It’s why the previous one was about sports betting.

And it’s why I will be travelling to Panama early next month.

Panama doesn’t care what happens to Brexit

Nor do sports teams

And nor do legal cases.

Brexit, or whatever happens, might however affect your job or investments directly.

If you want to minimise or eradicate the impact, you might want to become a Guerrilla Investors subscriber or small group member.

Not breaking news!

You’ll see this link almost every day:

Subscribers

All the best,

Stephen Wallis

Copyrighted and published by FOAR Ltd

Taking out 10-year-olds

Stick with me, this isn’t quite as bad as it sounds.

And it isn’t my recommendation to invest in 10-year government bonds.

Christmas is great especially the quality time with the kids.

However, post new year it creates a problem of how to entertain the kids before they start back at school and nursery.

This Wednesday just gone, we decided to try out the Winter Wonderland on the outskirts of York.

My almost six-year-old daughter had been going on about ice skating (I knew I shouldn’t have let them watch Frozen again), so we decided to give it a try.

Considering the fairly princely sum of £34 for two adults and two kids to attempt something for either the first time in twenty years or the first time ever, it wasn’t the best idea.

My son burst into tears after his first small slip, and didn’t return.

My wife and daughter did one lap holding onto the edge of the rink and a penguin – not a real one.

I thought I would go all Charlie Big Bananas (or whatever Eskimos eat) and just believe that I could remember what to do.

I made Bambi look like Christopher Dean, falling hard and needing some help and tips from the steward person before I even made it halfway round.

As I came back in (to complete my money’s worth) I then took out a 10-year-old girl in what felt like slow motion.

I may have even let out an “Ohhh noooooooo”

She apologised as much as me, although all she did was stray into the racing line of an out of control lunatic.

The moral of the story: don’t expect to be able to do something easily if you haven’t been practicing over the past 20 years.

My ice skating skills are truly atrocious, my risk analysis and personal finance skills on the other hand are pretty good after years of purposeful practice.

The RoI with our own investments and my decent success climbing the corporate ladder are the proof.

If you don’t fancy spending the next 20 years honing your alternative investment skills, head on over here:

Subscribers

All the best,

Stephen Wallis

Copyrighted and published by FOAR Ltd

How a subscription might fit into your goals

My main aim now I’ve unplugged myself from the corporate job system is to create time and geographical freedom.

I was talking to a friend about this over the weekend, and said that since I left full time employment in July 2017 I’m only interested in work or income generating opportunities that I can do from anywhere on the planet.

Not just because of the rise in knife crime here in the UK, but it’s a factor.

As such I’ve turned down job interviews for Head of Risk opportunities as they were based in an office.

I’ve turned down ‘get to know each other calls’ with people on LinkedIn who want to talk about their latest investment topic for similar reasons.

Essentially, I prioritise my days based on what will get me closer to this number one goal.

The reason?

Because with time and geographical freedom I can take myself and my family off for six weeks in the school holidays, plus three at Easter and another couple at Christmas.

I can generate income from a few different laptop investments even while we’re away on these trips.

All without exchanging any more of my time for money than is absolutely necessary.

Because I’m also not a slave to my outgoings.

I have no idea if yours and my goals are similar, or totally different.

But I do know that by learning about the alternative investment world over the past few years I’ve taken massive jumps forward towards my main objectives.

I’m hoping the last few years have done the same for you.

Subscribers are leveraging my knowledge and experience, only you can decide if you see a return on investment from doing the same.

Here’s the link, get in before midnight tonight to see the new guide land in your inbox tomorrow:

www.guerrillainvestors.com/subscribers

All the best,

Stephen Wallis

Copyrighted and published by FOAR Ltd

A load of stuff I’m not going to do

I won’t create your alternative investment pot of money.

I won’t tell you what to invest in.

I won’t tell you how much to invest into it.

I won’t do all of your due diligence for you.

I won’t provide personal advice.

There’s probably a bunch of other things I won’t do, but you get the idea.

I’m not an independent financial adviser.

I’m not your mate talking to you about the latest thing he heard on Facebook.

I’m not exchanging your time for money in a job in order to build up your investable funds.

I’m not dipping your toe in an investment area.

I’m not your provision fund if things don’t go to plan.

But I am going to teach you things you weren’t taught in school.

I am going to shine a light on the alternative investment world, often ignored by the mainstream media unless it’s to tell you it’s toooooo dangerous!

And I am going to let you leverage my time, experience, and analysis to get you started on a particular topic.

The rest is up to you, as it should be.

Those who know that only action takers change their lives can become subscribers by following this link:

www.guerrillainvestors.com/subscribers

All the best,

Stephen Wallis

Copyrighted and published by FOAR Ltd

I’ve done your thinking for you higher-rate taxpayers

On a daily basis I’m thinking at least three years ahead. When I really spend time thinking and planning I get into ten to twenty-year horizons.

Now a bus could run me over before then.

Or a hoverboard.

But I like to think this far ahead, as without a plan I would never know if I’m heading in the right direction.

For the guide that lands in subscribers inboxes tomorrow I’ve done a fair bit of the thinking for higher rate tax-payers.

I’ll even introduce those who can self-certify as high net worth individuals or sophisticated investors straight into my contact in the EIS industry.

But after the midnight deadline tonight this guide may or may never be available again to buy as a back issue – I’m also changing my mind about stuff like that. It keeps the opportunistic new product junkies out of the subscription area.

And a Guerrilla Investors subscription can do diddly squat for those types of people.

You know the ones, they tell you about a brand new thing they just heard about but under questioning they can’t actually explain anything about it or the research and analysis they’ve already conducted themselves.

Be very careful taking advice from these types of friends or family members.

Luckily for you my monthly guides, although short so they can be read in one sitting and acted on almost immediately, are filled with lots of information on what to do – less so on what something is (although that’s always covered in a brief intro).

Allowing you to dedicate your thinking time to what to do with this new knowledge, linked to your own personal finances and circumstances.

Hover on over here to find out the details:

www.guerrillainvestors.com/subscribers

All the best,

Stephen Wallis

Copyrighted and published by FOAR Ltd

Jet-skiing advisers want you to depend on them

For those who are reading this outside of the UK you can likely find the following on YouTube, it’s worth a watch…

For those who watch any terrestrial tv here in Blighty you may have seen this jointly commissioned advert by the Financial Conduct Authority and The Pensions Regulator which shows a couple who have been fleeced of their hard earned savings by a dodgy pensions adviser.

The advert cuts between the distraught couple and the young adviser, who seems to enjoy jet-skiiing in a sun-soaked country.

The story is that this fraudster has run off with their money, and that you should check the credentials of anyone you work with.

Good advice, no doubt about that.

However just because an adviser is regulated doesn’t mean they won’t still be jet-skiing in a sun-soaked country with the money they’ve made from helping to invest your money.

That’s because depending on how big your investment pot is, plus how long you work with them, plus what commission or fees they charge – you may still be funding their extravagance.

Even though it’s all above board and they have the necessary qualifications.

My main qualifications when it comes to my work with Guerrilla Investors are the following:

– Over a decade of experience climbing the risk and finance corporate ladder, mainly in the financial services and financial technology industries.

– Qualifying as a risk professional through the Institute of Risk Management.

– Putting my own money into the majority of the investments I write about.

I don’t provide personal advice, I don’t provide opinion or recommendation, but I have made it my mission to teach as many action takers and independent thinkers as possible, about the fantastic world of alternative investments.

Where you can diversify and amplify your returns simply by learning the key points about a topic, conducting your own thorough due diligence and research, and then dipping your toe into those which fit with your investment goals.

So as you can see, it’s aimed directly at a certain type of person.

The August guide is a proper armchair investment, meaning there’s some work to do up front and then it’s a set and forgeter.

Meaning if you need your money back on a particular day, this isn’t for you.

But if you’re looking for ways to diversify a proportion of your funds, and you’re a higher rate tax-payer, it’s an interesting option.

Your decision is pretty simple.

Either:

1. Subscribe before the 31st July deadline and see the guide land in your inbox the next morning.

2. Go away and conduct your own research, now you know the topic.

3. Do nothing.

If your plan is to do number two then good luck to you, especially when it comes to finding trusted investment professionals to explain what EIS is and guide you through the process. I really hope they don’t cost into the hundreds of pounds just for their advice.

If it’s number three, I’m guessing you had something more important to do.

The next step for those who want to follow the number one route, is here:

www.guerrillainvestors.com/subscribers

All the best,

Stephen Wallis

Copyrighted and published by FOAR Ltd

Plugging into my Matrix

The previous email touched on the subject of regulation and governments taking an interest in alternative investments and technologies.

Some of this is good for the industries involved, but if we ever have a chat over a beer you might hear some of my controversial thoughts and experiences on it.

If you have an interest in alternative investing, then I’ve basically done the hard work for you.

I’ve dedicated the past couple of years to finding, analysing, putting my own money into, and writing about various opportunities which exist – outside of the stock market mainstream.

I’ve also got to know the senior people in a handful of alternative investment companies. Subscribers often get plugged straight into this network.

The guides serve an important purpose before this step, by kick-starting your education about a specific topic. In exchange for £79 a month and some focused attention around the 1st of the month.

Fence sitters are running out of time to make their decision before I put a cap on the email list.

Watch out for splinters as you jump down and over here:

www.guerrillainvestors.com/subscribers

All the best,

Stephen Wallis

Copyrighted and published by FOAR Ltd