
I help NHS staff make calm, sensible financial decisions — especially around pensions, tax, and investing — without hype, jargon or constant monitoring
| Platform | Pricing | Freemium | Publishes | Daily | |
|---|---|---|---|---|---|
| Issues | 48 | Subscribers | Read | patientreturns.substack.com |
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Most of what we read about investing is exciting. Stock picks, market crashes, tax loopholes, retirement at 40 (or 30, or 18). No one talks about rebalancing for one BIG reason.
Most NHS staff who invest passively likely own some flavour of “global tracker.” A FTSE All-World, an MSCI World, an FTSE Global All Cap. The benefits are intuitive and largely correct: one fund, thousands of companies, the whole world’s st...
Most NHS staff with children think about saving for them at some point. Birthday money from the grandparents, the Christmas cheque from the aunt who’s better paid than us, the quiet £20 we tuck away most months. The instinct is right, howev...
If we open a stock page on Yahoo Finance, Google Finance, or our broker’s app, we’re confronted with a wall of numbers and abbreviations. Bid, ask, day’s range, 52-week range, EPS, P/E, beta, market cap, volume, average volume, ex-dividend ...
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I’m a pharmacist in the NHS and my main hobby is investing. This Substack is designed to provide clear and simple financial education for busy NHS professionals (or anyone!).
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