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Patient Returns

Patient Returns

I help NHS staff make calm, sensible financial decisions — especially around pensions, tax, and investing — without hype, jargon or constant monitoring

Platform
Substack
PricingFreemiumPublishesDaily
Issues48SubscribersRead patientreturns.substack.com

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Latest Issues

Recent posts by this newsletter. Browse the email archive.

Rebalancing your portfolio

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.

3 days ago
11
0

Your global tracker is less diversified than you think

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...

5 days ago
6
8

Saving and investing for your children

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...

10 days ago
8
4

How to read a stock ticker (and why knowing how isn’t nearly enough)

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 ...

11 days ago
9
4

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Authors

The writers behind this newsletter.

  • Patient Returns

    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!).

  • Frequently Asked Questions

    How can I access the email archive for Patient Returns?

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    To find out how much an ad will cost, contact Patient Returns using the contact information provided and ask for a copy of their media kit.

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