I never planned to be involved in trading. I was taught that markets are generally efficient, making it difficult for a rookie investor to earn money before experienced traders and algorithmic robots capture all the margins. So, I focused on my core job.
Everything changed in July 2019 when Revolut announced commission-free stock trading, lowering the barrier to entry to essentially zero. By the end of that year, the market had gained over 28%—a historic rise. Then, in early 2020, COVID-19 triggered a 30% market crash in just three months
(Wiki: 2020 stock market crash). I didn’t believe that fundamental growth factors were broken, so I saw an opportunity.
I realized that if I could earn more than my 3% annual mortgage rate, I could increase my total wealth by following a conservative investment strategy—without ever needing to make another early mortgage repayment.
With over a decade of experience in business analysis and market research, I wanted to apply my skills to test the financial hypotheses and ideas I encountered in the press.
I began investing a significant portion of my free cash flow into the stock market. This not only accelerated my learning but also gave me the satisfaction of building something for myself.