Hi, I’m Mark, a retired, 50-something year old ordinary individual.I built this website so I can share my investment experiences with you, the good, the bad and the ugly. I’m documenting where I invest, and the actual returns (and losses) realized from various types of investments.

If you are new to Peer to Peer Lending, or the other types of investments outlined here, please feel free to follow along so we can learn together where to get the best returns, with the least amount of risk in order to grow our capital.


How I started investing


The biggest problem I had when I started investing was knowing “where” and “how” to invest, and “what to invest in”. What would help me build wealth without making any major mistakes, and having to start again.

I looked everywhere, read books, followed “gurus” and went to conferences. However it took me years to find the right investment vehicles and diversification for real, honest growth I felt comfortable with. Of course, I went though all the “day trading” and “penny stock” phases. My first real intro in to investments was many years ago from the a well known “get rich quick” commodity trading course.  I spent thousands of my hard-earned cash on these and other courses, but didn’t “get rich quick”, unfortunately. In the end I decided to put my money in to stocks, which did well for the most part, but the large swings in the stock market were very unnerving. Seeing my portfolio up 20% one year, then down 40% another year never felt very comfortable.


Eventually I came across a strategy by a gentleman called Harry Browne in the 80’s (an Investor, Author and U.S. Presidential Candidate). It’s a ridiculously simple investment strategy called “The Permanent Portfolio”. After I learned of it, my investment ideas changed pretty much instantly. Finally I had something that made sense to me! with reasonable returns and acceptable drawdowns. And it was time tested, by Harry, with a track record of about 20 years at that time. Track record is very important as you’ll see from my “Backtesing” page.

I followed The Permanent Portfolio strategy for a while thereafter. Invested a little in the strategy every month from my salary, and that was a large part of how I found financial freedom and early retirement.The Permanent Portfolio assets are still a part of my personal portfolio today. However early on I made a few changes which help to improve returns, and limit drawdown. I added Real Estate (REITs) for increased stability and income, and I changed some of the cash part to Peer-to-Peer lending investments, to compensate for the low return rates from banks these days. These changes increase the return, reduce drawdowns and allow better diversification.

Even now, this strategy is so simple, anyone can set up the portfolios easily and quickly. In fact it’s quite boring. Where investments are concerned though, boring is good. 🙂 You can read more about my investments here.

Please feel free to take a look around my website which explains everything in detail. If you have any questions or comments, please don’t hesitate to contact me.

More About Me

I retired a few years ago, so I now live between the UK and The Algarve, Portugal (right by the beach).


I manage my own investments in a couple of hours per month. Originally I started to write about my strategies as a MS Word document to give to my friends and family who showed interest in how I invest. Half way through I decided to publish the information to a blog instead. This way I can easily distribute updates, instead of mailing out a Word doc every week. Perhaps if others take interest in the way my investments are going, it might help them not to make some of the mistakes I have made, and undoubtedly will continue to make moving forward.


Please read my disclaimer.





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If you are just starting out investing, looking for a sound strategy. Or if you already have a nest egg, and you want to grow it sensibly with lower risk investments, my portfolios could prove to be a good option for you.
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