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Simple Is Best, Simple Works!

Joseph Tom Riach – Author of successful living books and mystery novels, vivid views of life and business"Simple Is Best, Simple Works!" is the 20th in my 2022 series of articles based on my real life events, professional insights, personal views and fun stories. My hope is that in them you find joy and inspiration.

SIMPLE IS BEST, SIMPLE WORKS! 
by Joseph Tom Riach

     Much is spoken of and written about investing and investments. What is good, what is bad? What is right, what is wrong? Stocks and shares, commodities, currencies, bonds, futures, gold, property, hard assets, cash? The list is endless, the possibilities too.

     What is best for one person is worst for another. The right time for one, is the wrong time for others. The amount invested can be too big or too little. The objectives differ … and so on and so on. The fact is that with so many variables there isn't a 'one size fits all or in all situations' solution for investors looking to protect or grow their wealth.

     Or is there?

     While working as a financial consultant and business advisor I came up against these investment market questions, variables and situations on a daily basis. Analysis of clients' situations led to constantly changing, ever more complex and confusing (to both clients and myself)! recommendations. I longed for a simpler approach; a way to easily serve and satisfy my clients and reduce my burden too.

     At that same time I was also employed as a creative solutions specialist by both corporate and private clients in commerce and industry. This work involves devising approaches to situations within enterprises which overcome difficulties and/or improve any general or specific aspects of the businesses. Success in this sector led me to thinking that, if I could come up with novel ways of resolving difficulties for these clients, could I not perhaps find an answer to the 'one size fits all' conundrum of myself and my investment clients? I put my mind to work on that puzzle.

     At first it seemed that I had set myself an impossible task. The financial markets are awash with possibilities and it occurred to me that the investment industry in general has little interest anyway in promoting one simple, universal solution. The big money for them lies in complex financial instruments and their own self-interest solutions.

     So, in order to arrive at my conclusion, I started with three basic premises.

     Onethe plan had to be simple.

     Twothe plan had to be wholly effective.

     Threethe plan had to be suitable for everyone.

     From there I went back to absolute basics. I knew that in the creation of solutions, the answer lies always in the question. It is necessary of course to ask the right question. I decided on two -

     What does every single person on the planet need and will always buy into?

     … and …

     What is the most fundamental example of investing in that way?

     I came up with answer one – Food!

     And answer two?

     I reckoned that not many would wish to get their hands dirty directly involved in agriculture, livestock breeding or foodstuff manufacturing but they could invest in companies that did! I realised that by targeting reputable companies in the food and related sectors, buying their shares and holding them long term, my investors, whatever their objectives, could achieve their goals.

     The fact is that the best quality, 'blue chip', high dividend yield stocks of top companies provide a remarkably safe haven, long term growth and regular income. All an investor must do is buy their shares and hold them. No trading or fancy dealing. As such, a portfolio of them can satisfy anyone's investment criteria – from short term income to long term retirement planning and all requirements in between.

     I had found my 'one size fits all or in all situations' solution for investors looking to protect or grow their wealth in a simple, sound way! So simple in fact that it had been staring me in the face all along. I had been just to darned clever to see it.

     But when I saw how easy the strategy was to employ, how effective and efficient it was for all investors in all circumstances, how my reputation was enhanced, my responsibility reduced and my income increased, it cemented my belief that - in all areas of life and business - Simple Is Best, Simple Works!

 I am Tom Riach. I live and write in the sunny south of Portugal. 

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SIMPLE IS BEST, SIMPLE WORKS!  is an original copyright Tom Riach feature.
I hope you enjoyed this short article and found it to be of value.
To learn more please visit me on my Author Page.
See you there! Regards, Tom.

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© Copyright Joseph T.Riach 1998-present. All rights reserved.

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Comments

  • Top Commentor

    Simplifying complex thoughts and ideas is how my business earns. Was is pointless to write about simple? Definately not. I would be out of business if everyone took the simplest approach. This has to mean many people do not understand simple. 

    • Top Commentor

      Yes Dennis - agreed! It is one of those subjects where, when you mention it to most people, a glazed look of, no comprehension in some, and no interest in others, comes across their faces. Many simply (there's that word again)! just don't believe that simple exists or believe that they're already doing it when their entire lifestyle screams otherwise!

  • Top Member

    I learned this lesson from my mentor and it stuck with me "K.I.S.S" and it means Keep It Super Simple. It's nice how you summed up in this post. Thanks Tom for your wisdom and knowledge on this subject. 

    • Top Commentor

      It may appear kind of pointless to write about 'simple' Terri, after all everyone knows simple, don't they? Except I see all around me that folks don't see or do simple at all. Quite the opposite in fact. I see people being bamboozled with gobbledygook and obvious untruths when the simple is indeed staring them in the face. I can only conclude that people can't do simple or choose not to do it a lot of the time. Could it be that they find simple just too difficult to take on board?!

    • Top Member

      I believe it might be the latter part of your conclusion. As for me, I prefer keeping it super simple. Why? It works. Simple enough for those who might be reading my comment. Just try it folks and you'll like it. 

  • Top Video Contributor

    Food, my favorite thing!  Three solid steps and probably applicable to many areas.  I understand that food is economy-proof, thanks, Tom.  

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