Ndubuisi 'Andy' EgwimMoney Coach for Medics|Ex-NHS GP|21+ Yrs Investor| Founder, MoneyWiseDoctor.com|Helping Medics Avoid Big Money Mistakes

Revealing the key to managing investing risks | NHS Doctor

17 Jun 2024 · 1 min

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Ndubuisi 'Andy' Egwim (speaker) describes his personal investment approach and risk-management rules from a first-person perspective. He reports having gone almost 20 years without a losing year, emphasizes humility and disciplined preparation (separate emergency fund, inheritance funds, a will), and advises investing only money you can afford to lose. The excerpt mixes performance claims (annual returns sometimes low like 10–15% but never negative) with practical safeguards.

Questions this video answers

Almost 20 years.

Around 10–15% (example '10, 15%').

Chapters

Let me address for those of you who are not as crazy as I am, after looking at all the numbers and you still think that you can beat the market, you can do better than the market, then you must be ready to do the work. I've been fortunate. I think I've been fortunate. And I said, after I got married, I explained to my wife my investment theory and how I work. I said to her, every year I wonder if it's the year I'm eventually going to lose money. So I've gone almost 20 years. I've never had a losing year. I've had years that weren't as good. There were years that maybe you made like 76. The year that I made just like 10, 15%. But I've never had a losing year. And every year I think, who knows? Would this be the losing year? And that makes me, to remain humble. I don't gamble, I don't take. I have my emergency fund separate. I have funder for, you know, sort of like for my son's inheritance. I have Fonda for other issues. I have a will, you know, if you have all those things set up, then you invest only with money you're ready to lose.