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 | 50 | Founded | 5 months ago | Last Issue | 21 days ago |
| Active | |||||
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patientreturns.substack.comLatest Issues
REITs: property investing without the boiler calls
Last time we walked through what it actually costs to own a buy-to-let property. The short version: a lot, more than most people expect, and most of it lands on the landlord rather than the tenant.
A fair question after reading that piece:...
Is Buy-to-Let a good investment in the UK?
Property is a British national obsession and at some point most working professionals consider becoming a landlord, usually after a friend, a colleague, or a relative mentions how well their rental flat is doing.
If we look at property thr...
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...
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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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