📈 How do I actually structure my SIPP ? This is a question I am often asked. Most investors build their portfolios by accumulating names they like, names they believe in. I build mine with pillars, each with a specific job in mind. 💎Pillar 1 - Growth & Income - Core holdings (#JGGI, #IGET, #MYI, #JEGI, #JAGI #JCGI- the first three don't overlap too much - this is important) This is the engine room. Four global/regional trusts doing double duty: capital growth AND a rising income stream, without me having to pick individual winners. JGGI/IGET/MYI gives me global growth exposure with a quarterly payout funded partly from capital, a structure I'm comfortable with because the total return has been consistently strong. JEGI and JAGI extend that same growth-and-income discipline into Europe and Asia, so I'm not just US/UK concentrated. This layer is the ballast: diversified, professionally managed, income-generating, and it lets me sleep at night even when markets are choppy. 💎Pillar 2 - Private credit, infrastructure & real estate This is where the reliable cash comes from. Private credit trusts (#MGCI, #TFIF, #NCYF, #GCP, #BIPS #RECI and #CVCG) capture the illiquidity premium banks used to earn, steady coupon-like income, less correlated to equity markets. Infrastructure trusts (regulated assets, long-dated contracted cash flows) #FGEN, #INPP, #HICL and #UKW add inflation-linked, defensive income. Real estate names think healthcare property, supported living, logistics-adjacent, bring rental-style income with asset backing. None of this is exciting. That's the point. It's the layer that keeps paying whether or not the market is having a good year. #PHP #SUPR #DLN #GRI #BBOX 💎Pillar 3 - Recovery & growth stocks (30-40%) Only once the income base is doing its job do I let myself add the higher-conviction, higher-volatility sleeve, undervalued recoveries and growth names with real upside optionality. This is where I take swings, but it's sized deliberately small relative to the base, because if it goes wrong it shouldn't dent the income machine underneath. Why layer it this way? Because for me, with ten year away from retiring early, income investing isn't about chasing the highest yield, it's about sequencing risk. Core income first, diversifying income second, speculative growth last, and always sized so the top layer can't sink the foundation. Of course the weighting of each of these pillars moves in line with cycles ... when market dips I tend to sell some of my safer assets in order to grab the opportunities out there. Everyone has a different investment philosophy and there is no right or wrong - enjoy the ride 🤩

Tomorrow will be the end of @TheGreenParty!

Meaningful discussion today with @shaunmmaguire on this anniversary of the Oct 7 terrorist attack about how it changed him personally and how Sequoia doubled down.

BREAKING: US 10-year bond yield just dropped as the US government sold $39 billion of 10-year bonds. Demand was strong, so investors accepted a lower yield than expected. The yield went from 5.365% to 5.271% in under 4 hours.

Notting Hill prior to Mansion Tax!

#ABDN to sell 50% (52 million shares) of its current (104m) shareholding in #SDLF

Billionaire Ray Dalio Warns AI Bubble Could Soon Burst go.forbes.com/kE1b36

🏴󠁧󠁢󠁥󠁮󠁧󠁿 York 🤩

BREAKING: The FBI arrested 18-year-old Sheikhdoon Abdullahi Mohamud on charges of planning a mass-casualty attack at the Mall of America in support of ISIS, according to U.S. Attorney for Minnesota Dan Rosen.

The audacity of the @BBC!

It seems that Britain hasn’t learned anything from 9/11!

BREAKING 🚨: Housing Market Home Repossessions by Banks have soared 42% year over year

🚨 2026 job losses in the UK are compounding fast, and the Treasury is feeling it. This may only be the start. Does the Bank of England have the nerve to hike? I highly doubt it.

These job losses are compounding very quickly!!

Kevin truly lives by the motto, "Work to live, not live to work." He makes every moment count.🤩

🇬🇧 Last night I met an elderly Jewish gentleman from Kingsbury in NW London. He is retired now, but spent forty years working for the Health Protection Agency and became a professor specialising in rare viruses. Our conversation soon turned to the state of the country, and I bluntly remarked that Britain had become a bit of a shambles. He quickly challenged me on that point. "Some of the people, perhaps," he said, "but not Britain." He spoke with a deep sense of loyalty and affection for the country. His father had served in the Royal Air Force during the Second World War, while his grandfather had fought for the British Empire in the First World War and was stationed in Egypt. Listening to him, it was clear that his family's history was closely intertwined with Britain's own, and that gave him a perspective I hadn't fully considered. For him, whatever its problems today, Britain remained a country worth defending. cityam.com/three-years-on-fr…

"Anna Macdonald, investment strategy director at Hargreaves Lansdown, said fresh upheaval to the tax system could discourage investment in the UK at a time when economic growth is needed." cityam.com/hargreaves-lansdo…

Get your orders in now! telegraph.co.uk/business/202…

Don't eat crap and get yourself a colonoscopy once every ten years from the age of 35 and you'll be OK. It costs £1K and might save your life.

"Yasmin Sarwar, 48, and husband Nadeem, 50, set up Cardiff Sixth Form College as a charity before allegedly raiding accounts to fund their “lavish lifestyle”. The pair were college directors." telegraph.co.uk/news/2026/10…

The Times rates #HFG a buy! £7.10 I hold.