Patient Returns
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 | Founded | 4 months ago | Last Issue | 21 days ago |
| Active | |||||
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patientreturns.substack.comLatest Issues
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.
Rebalancing is boring.
Heavy-weight investor Peter Lynch wa...
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...
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...
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...
Pound-cost averaging in practice
Pound (or Dollar) -cost averaging is one of those concepts in investing that sounds more impressive than it is. It gets talked about in reverent tones as though it were a magical technique for reducing risk and guaranteeing better returns....
Audience Metrics
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| Subscribers | Engagement | 76 | Monthly Web Visits | ||
|---|---|---|---|---|---|
| Accepts Sponsors | Estimated Cost per Ad | ||||
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Authors
The writers behind this newsletter.
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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