The Silent Killer - Industry Insights

Everyone seems to forget about this one – Inflation.

A First Class stamp was 25p in 1995. Now? £1.65.

A McDonald’s Big Mac – In 1995, it cost around £1.60. Today? You’re looking at roughly £4.49.

A pint of beer – The average price in 1995 was about £1.50. Now? It’s closer to £5.50, depending on where you are (and even more if you’re in London!).

No, I’m not suggesting you’ll spend your retirement funds on postage, pints and burgers. but it’s a handy reminder of what inflation does—Silently chipping away at your wealth, like a leaky pipe you don’t notice until the ceiling caves in.

The Real Risk? Losing Purchasing Power

Forget just protecting your capital—the real goal is keeping your spending power. Inflation will chip away at your savings year after year, and cash alone won’t save you.

The Cure? Investing in Great Companies

The Great Companies of The World (aka equities) have a proven track record of outpacing inflation. In the last 30 years, the S&P 500 has grown 13x, with dividends up 6x.

Sounds great, right? The catch—it’s not a smooth ride. Every few years, markets wobble, sometimes dropping 20% or more. That’s when people panic, sell at the worst time, and miss out on the recovery. The result? A retirement that feels a lot smaller than it should.

The real challenge isn’t just the strategy—it’s sticking with it. That’s where a steady hand (and a bit of tough love from me) comes in.

If you want your money to last longer than you do, you need a plan—and with me, you’ll have one. The key? Sticking to it.

When was the last time the best view came from an easy ride? Whether it's the rugged peaks of the Lake District or the vast expanse of the Grand Canyon, the climb is always tough—but the reward? Absolutely worth it.