❌ risk management is bad

Let me explain to you what the ethos of Fink is…

Although we are for absolutely everyone from everywhere, we are here to solve a specific British problem.

If you’ve been reading for a while, you’ll know we have BATTERED on and on about the lack of investing Brits do.

And it is a problem…

We did a whole presentation on it.

There is hopefully a lightbulb moment you will take from this email today - one which, if you can hang onto this will likely change your life and how you view things.

And I mean that sincerely.

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Here’s some truth you probably haven’t been told before.

While you've been playing defence, the real game was being played in attack.

That’s where goals are scored.

Speaking about markets in terms of risk and risk management all the time is bad news.

Instead, ingrain Opportunity Management ✅ into your skull.

Because…

Between 2013 and 2023, every £100,000 sat ‘safely’ in UK cash earned a measly £31,126. That same amount invested in US markets? £412,432.

The difference? £281,305 per £100k. Now multiply that by the £417 billion sitting in UK Cash ISAs alone.

We're talking about half a trillion pounds in missed gains. And that's just the start.

The Fear Factory

Walk into any financial discussion with a Brit and you'll hear the same broken record:

"What if the market crashes?"
"What if I lose money?"
"What if, what if, what if..."

I mean, just look at the JPMorgan charts in the presentation above.

This obsession with what might go wrong has created a generation of financial zombies - people so terrified of losing money that they've guaranteed they'll lose it to inflation instead.

Take Sarah, a successful business owner with £200,000 parked in a ‘safe’ cash ISA earning practically nothing. Two years later, that money has the purchasing power of £175,000. She didn't lose a penny to the ‘scary’ stock market, but inflation robbed her of £25,000 while she slept.

That's the real sad thing happening.

And it’s funny, when you go to any bank website, there will be a load of adverts for cash ISAs but absolutely none for a product like an SP500 ETF, even though

The Americans Get It

While we've been obsessing over 3.47% savings rates (which don't even beat the current 3.8% inflation rate), the Americans have been getting systematically richer.

The S&P 500 delivered 14.23% per year between 2013-2025, while our beloved FTSE 100 managed a pathetic 2.5% annually. The US market has outperformed the rest of the world for a record 134 consecutive periods.

But here's what really hurts…

Over half of the £870 billion saved since the pandemic is rotting in cash deposits. Had that money gone into global stocks, it would have returned 39% in real terms. Instead, cash savers have lost 9%.

Why so much in cash savings?

Well, we think it’s because Brits are still obsessed with property and so park their precious deposits in what is deemed as ‘safe’.

Obviously living in a house is something we have to do.

But did you know in real terms, house prices have only increased by 12.6% over the past decade?

And that’s not including the upkeep costs of an owner occupied home…

The Questions Winners Ask

While everyone else is managing their fear, the few who actually build wealth are asking completely different questions:

Instead of: "What if I lose money?"
They ask: "What am I losing by not being invested?"

Instead of: "What if the market crashes?"
They ask: "What's it costing me to do nothing?"

Instead of: "How do I avoid risk?"
They ask: "How do I get upside without being stupid about downside?"

See the difference? One set of questions keeps you poor. The other builds wealth.

The Real Numbers Game

Let's get concrete. The average UK adult has £11,185 in savings, with £417 billion total sitting in Cash ISAs. Meanwhile, 52% of Brits don't even understand how inflation destroys their savings.

Here's what that ignorance costs:

• £10,000 in a zero-interest account becomes worth £5,450 after 25 years of 2.5% inflation

• The average Cash ISA barely beats inflation, meaning your money just treads water

• Stocks and shares ISA holders have average balances of £65,000+, while cash ISA holders average under £13,500

The wealth gap isn't necessarily about income. It's about tradeoffs.

The Opportunity Management Revolution

This isn't about gambling or day trading. It's about fundamentally rewiring how you think about money.

Risk management asks: "How do I protect what I have?"
Opportunity management asks: "How do I grow what I have?"

One view keeps you ‘safe’ but losing money.

They other is pretty liberating and gives you confidence.

Why Most People Will Never Get This

Because changing from defence to attack feels uncomfortable. It requires admitting that your ‘safe’ strategy has been slowly bankrupting you for years.

It means accepting that the biggest risk isn't market volatility - it's sitting on the sidelines while inflation eats your cash and everyone else gets ahead.

Few will make this shift.

But the ones who take this lightbulb moment and flip their thinking will be huge beneficiaries vs other British peers.

The choice is yours - keep managing your fear, or start managing your opportunities.

The market doesn't care which you choose. But your future self will.

We run a community of extremely bright people who are eager to break this mould.

Check out what Ed has done for example…

100% in under a year isn’t bad.

If you want to replicate this, then join the Fink Community today.

And if you’re a busy professional interested in simplifying & systemising your investing approach, check out our Investment Assessment - we created The Fink Academy for people like you.

We are selective over who joins and you have to be the right fit.

While we want everyone to understand how to do this, we will not be taking your money if you do not have the right amount of capital relative to the cost of the Academy and we firmly believe it is not OK for us to make money off you if we believe it will not be possible for you to benefit.

Instead we will be making a free mini-course to get you to grips with what you need to do to be able to get to a position where spending £3,500 on a course is child’s play.

Please stay tuned for this.