Are they right with this huge move away from the US? Find out in my latest video @completeinvesting that was published this morning.

With this newsletter im doing I’m not just talking about crypto like I was throughout 2025. Crypto is part of my overall portfolio but I don’t want to obsess about it everyday. I’m doing my best to treat it the same way I treat low cost index investing. LONG-TERM BUY AND HOLD. This week is all about Bonds… The Bond Market Controls Everything In my opinion we need to talk about something that'a hugely important to the global economy. And to be honest, I didn’t fully understand this until recently. It’s something most investors completely ignore. Like me when I didn’t fully understand it for the first 22 maybe 23 years as an investor… (let’s just say I’m a slow learner). Something boring.Something misunderstood.Something that quietly controls your mortgage, your pension, your ISA returns, your taxes, and the entire financial system. Bonds. I’ve been investing for 25 years. I can still remember walking into alliance and leicester in Middlesbrough town centre as a clueless 18-year old. I can remember the excitement of buying my first house at 19. Anyway….. Over the years ive mainly invested into Stocks, Index funds, Property, Crypto and Bonds. Most people think: - Stocks drive the economy - Crypto is the future - Gold protects wealth And I do agree to a certain extent. But the truth is this: The bond market runs the show. If you don’t understand bonds, you don’t fully understand money. And if you don’t understand money, long-term investing becomes much harder than it needs to be. This week’s newsletter is educational by design. No hype. No predictions. No nonsense. I’ve had my fill of people trying to tell us where the markets are going in the next few days or the next few weeks. So for me we have to focus on education and long term investing. Boring – yes. But I like boring. And for me if you do properly understand money and investing – it leads to financial freedom… MARKET CONDITIONS & MACRO UPDATE A lot of people don’t care about markets right now — and I get it. When you’re living month to month, market updates feel irrelevant.

Crypto feels worse than ever before! Over the last 9 years I’ve never seen the sentiment this bad. But despite everything I stand by my convictions. I am a crypto bull. Between 2017 and 2022 crypto destroyed on a few different occasions. Like in 2017/18.. I put 6k in > my portfolio went up to 30k > greed kicked in > I lost it all > then buried my head in the sand like the proverbial ostrich 2021 was much better but I still made huge painful mistakes (mainly because of greed again). I was stressed. Anxious as f***. Even worse I there were periods when I wasn’t present for my family. Everything change for me and crypto in mid 2022. When I started approaching crypto in the same way I approach index investing. It’s very simple… DCA each month - I’ve done this since June 2022. Think long term - with crypto 5-10 years. Index investing I think even longer. This has meant I’m much calmer. Im not looking at charts all day. And I’m not listening to the crypto bros too much on YouTube or X. I said it yesterday in my skool community - I believe in Bitcoin and crypto. And that will be the case even if BTC drops to $10k… The fact is - the financial system is broken. Inflation is much higher than most people think. The cost of living is a joke 🤬 IMO we are forced into investing into assets like the S&P 500 or crypto if you can handle the volatility. Everything feels hard. Bu there are 2 things us normal people can do… 1. Financial education 2. Invest into assets I’m not saying go and buy crypto. I am saying I believe you need to invest into assets suited to you as an individual- based on your tolerance to risk and your goals. Anyway this little post is mainly for members of my skool community. But also for anyone else who needs a bit of support wit investing 👍👍👍

This weeks newsletter will be published in the morning… Apologies for the delay. I’m stuck in Dublin with work. New job and it’s been relentless…

4 year cycle in tact still? And this is true bear market?