Tim Hale graduated from the University of Oxford and holds an MBA from Cranfield School of Management. After a few years with Standard Chartered in Hong Kong working in corporate banking, he moved into the investment world, spending almost a decade at Chase Asset Management (now part of JP Morgan Asset Management) in London, Hong Kong, and New York.

"Tim Hale sifts through the evidence on how to invest successfully. His messages are particularly important for individual investors."Professor Elroy Dimson, Cambridge Judge Business School"This book provides a road map for even the most inexperienced investor to navigate through the investment maze. Its robust, evidence-based approach, combined with its simple and practical guidance allows all investors the prospect of a successful investment experience, which they richly deserve and in most cases need." Larry Swedroe, author of 19 books on investing, including his latest 'Your Essential Guide to Sustainable Investing'"This book is a must-read for UK investors whether you're a novice or a seasoned veteran. Hale expertly distils the best evidence, guidance, product types, and accumulated industry wisdom into a masterclass that will help you make the right decisions. If you hope to live from your investments one day then do yourself a favour and read this book." The Accumulator, Monevator"Smarter Investing clearly communicates investing theory and evidence while providing simple rules and sensible advice to follow; reading it will improve your financial decisions." Benjamin Felix and Cameron Passmore, Hosts of The Rational Reminder podcast"A lifetime of investment knowledge distilled into one concise, readable and actionable book. Tim busts the mystique behind successful investing. His narrative is clear, logical and slays the myth that investing should be exciting! A go-to investment guide whether novice or experienced investor." Ruth Sturkey: Host of the Money Espresso podcast, Chair Institute for Financial Wellbeing"Reading Smarter Investing is a smart choice. Tim Hale has written an outstanding resource to make you smarter so you will achieve better results. He has simplified the academic research that leads to smarter investing choices. He describes the emotional demons that so often prevent investors from following the advice derived from the academics. He also reveals smarter portfolios that include robust, low-cost, systematic, and passively managed funds." Mark T. Hebner, CEO and Founder of Index Fund Advisors. His book and documentary are titled Index Funds, The 12-Step Recovery Program for Active Investors"Since I first read Smarter Investing over 15 years ago, I've viewed it as the best UK-centric book on investing and an instant investment classic. Since then, we at Paradigm Norton have worked with Tim's firm Albion to build the best portfolios we can for our clients based on Smarter Investing principles."Lee Dunn, Head of Investments, Paradigm Norton"Surely, if you are going to invest, you want to do it as well and as simply as possible. Smarter Investing has the answers for you. Doing something different is likely to be costly." Lars Kroijer, author of 'Investing Demystified' and 'Money Mavericks - Confessions of a Hedge Fund Manager'"Smarter Investing is one of those books that I 'gift' to friends and family who ask me "What's the best way to invest?" It cuts through the noise and downright misinformation spread by the investment management industry. As a business consultant, I'm fortunate to have worked with some of the best Financial Planning firms in the UK and I've heard them sing the praises of this straightforward and practical guide for investors too. Read it for yourself and give it to your kids when they are ready to start investing."Brett Davidson, FP Advance

• Part 1: The Basics  Simplifying the confusion  Covering the basics  It only takes a minute – PACE ‘a quick way to a better portfolio'  Part 2: The PACE Framework  P - Smarter investment philosophy  P - Smarter investment behaviour  A - Smarter risk insight  A – Smarter risk avoidance - crypto currencies, NFTs and meme stocks  A - Smarter portfolio construction C - Smarter product choices C - Smarter sustainability E – Smarter execution E - Smarter advice  Part 3: In a bit more detail  Smarter insight – on-menu assets Smarter insight – off-menu assets  Conclusion  Bibliography Appendix 1: Your risk profile Appendix 2: Goal planning

Tim Hale graduated from the University of Oxford and holds an MBA from Cranfield School of Management. After a few years with Standard Chartered in Hong Kong working in corporate banking, he moved into the investment world, spending almost a decade at Chase Asset Management (now part of JP Morgan Asset Management) in London, Hong Kong, and New York.

"Tim Hale sifts through the evidence on how to invest successfully. His messages are particularly important for individual investors."Professor Elroy Dimson, Cambridge Judge Business School"This book provides a road map for even the most inexperienced investor to navigate through the investment maze. Its robust, evidence-based approach, combined with its simple and practical guidance allows all investors the prospect of a successful investment experience, which they richly deserve and in most cases need." Larry Swedroe, author of 19 books on investing, including his latest 'Your Essential Guide to Sustainable Investing'"This book is a must-read for UK investors whether you're a novice or a seasoned veteran. Hale expertly distils the best evidence, guidance, product types, and accumulated industry wisdom into a masterclass that will help you make the right decisions. If you hope to live from your investments one day then do yourself a favour and read this book." The Accumulator, Monevator"Smarter Investing clearly communicates investing theory and evidence while providing simple rules and sensible advice to follow; reading it will improve your financial decisions." Benjamin Felix and Cameron Passmore, Hosts of The Rational Reminder podcast"A lifetime of investment knowledge distilled into one concise, readable and actionable book. Tim busts the mystique behind successful investing. His narrative is clear, logical and slays the myth that investing should be exciting! A go-to investment guide whether novice or experienced investor." Ruth Sturkey: Host of the Money Espresso podcast, Chair Institute for Financial Wellbeing"Reading Smarter Investing is a smart choice. Tim Hale has written an outstanding resource to make you smarter so you will achieve better results. He has simplified the academic research that leads to smarter investing choices. He describes the emotional demons that so often prevent investors from following the advice derived from the academics. He also reveals smarter portfolios that include robust, low-cost, systematic, and passively managed funds." Mark T. Hebner, CEO and Founder of Index Fund Advisors. His book and documentary are titled Index Funds, The 12-Step Recovery Program for Active Investors"Since I first read Smarter Investing over 15 years ago, I've viewed it as the best UK-centric book on investing and an instant investment classic. Since then, we at Paradigm Norton have worked with Tim's firm Albion to build the best portfolios we can for our clients based on Smarter Investing principles."Lee Dunn, Head of Investments, Paradigm Norton"Surely, if you are going to invest, you want to do it as well and as simply as possible. Smarter Investing has the answers for you. Doing something different is likely to be costly." Lars Kroijer, author of 'Investing Demystified' and 'Money Mavericks - Confessions of a Hedge Fund Manager'"Smarter Investing is one of those books that I 'gift' to friends and family who ask me "What's the best way to invest?" It cuts through the noise and downright misinformation spread by the investment management industry. As a business consultant, I'm fortunate to have worked with some of the best Financial Planning firms in the UK and I've heard them sing the praises of this straightforward and practical guide for investors too. Read it for yourself and give it to your kids when they are ready to start investing."Brett Davidson, FP Advance

• Part 1: The Basics  Simplifying the confusion  Covering the basics  It only takes a minute – PACE ‘a quick way to a better portfolio'  Part 2: The PACE Framework  P - Smarter investment philosophy  P - Smarter investment behaviour  A - Smarter risk insight  A – Smarter risk avoidance - crypto currencies, NFTs and meme stocks  A - Smarter portfolio construction C - Smarter product choices C - Smarter sustainability E – Smarter execution E - Smarter advice  Part 3: In a bit more detail  Smarter insight – on-menu assets Smarter insight – off-menu assets  Conclusion  Bibliography Appendix 1: Your risk profile Appendix 2: Goal planning

Tim Hale graduated from the University of Oxford and holds an MBA from Cranfield School of Management. After a few years with Standard Chartered in Hong Kong working in corporate banking, he moved into the investment world, spending almost a decade at Chase Asset Management (now part of JP Morgan Asset Management) in London, Hong Kong, and New York.

"Tim Hale sifts through the evidence on how to invest successfully. His messages are particularly important for individual investors."Professor Elroy Dimson, Cambridge Judge Business School"This book provides a road map for even the most inexperienced investor to navigate through the investment maze. Its robust, evidence-based approach, combined with its simple and practical guidance allows all investors the prospect of a successful investment experience, which they richly deserve and in most cases need." Larry Swedroe, author of 19 books on investing, including his latest 'Your Essential Guide to Sustainable Investing'"This book is a must-read for UK investors whether you're a novice or a seasoned veteran. Hale expertly distils the best evidence, guidance, product types, and accumulated industry wisdom into a masterclass that will help you make the right decisions. If you hope to live from your investments one day then do yourself a favour and read this book." The Accumulator, Monevator"Smarter Investing clearly communicates investing theory and evidence while providing simple rules and sensible advice to follow; reading it will improve your financial decisions." Benjamin Felix and Cameron Passmore, Hosts of The Rational Reminder podcast"A lifetime of investment knowledge distilled into one concise, readable and actionable book. Tim busts the mystique behind successful investing. His narrative is clear, logical and slays the myth that investing should be exciting! A go-to investment guide whether novice or experienced investor." Ruth Sturkey: Host of the Money Espresso podcast, Chair Institute for Financial Wellbeing"Reading Smarter Investing is a smart choice. Tim Hale has written an outstanding resource to make you smarter so you will achieve better results. He has simplified the academic research that leads to smarter investing choices. He describes the emotional demons that so often prevent investors from following the advice derived from the academics. He also reveals smarter portfolios that include robust, low-cost, systematic, and passively managed funds." Mark T. Hebner, CEO and Founder of Index Fund Advisors. His book and documentary are titled Index Funds, The 12-Step Recovery Program for Active Investors"Since I first read Smarter Investing over 15 years ago, I've viewed it as the best UK-centric book on investing and an instant investment classic. Since then, we at Paradigm Norton have worked with Tim's firm Albion to build the best portfolios we can for our clients based on Smarter Investing principles."Lee Dunn, Head of Investments, Paradigm Norton"Surely, if you are going to invest, you want to do it as well and as simply as possible. Smarter Investing has the answers for you. Doing something different is likely to be costly." Lars Kroijer, author of 'Investing Demystified' and 'Money Mavericks - Confessions of a Hedge Fund Manager'"Smarter Investing is one of those books that I 'gift' to friends and family who ask me "What's the best way to invest?" It cuts through the noise and downright misinformation spread by the investment management industry. As a business consultant, I'm fortunate to have worked with some of the best Financial Planning firms in the UK and I've heard them sing the praises of this straightforward and practical guide for investors too. Read it for yourself and give it to your kids when they are ready to start investing."Brett Davidson, FP Advance

• Part 1: The Basics  Simplifying the confusion  Covering the basics  It only takes a minute – PACE ‘a quick way to a better portfolio'  Part 2: The PACE Framework  P - Smarter investment philosophy  P - Smarter investment behaviour  A - Smarter risk insight  A – Smarter risk avoidance - crypto currencies, NFTs and meme stocks  A - Smarter portfolio construction C - Smarter product choices C - Smarter sustainability E – Smarter execution E - Smarter advice  Part 3: In a bit more detail  Smarter insight – on-menu assets Smarter insight – off-menu assets  Conclusion  Bibliography Appendix 1: Your risk profile Appendix 2: Goal planning