If you’d like to discuss your finances with a professional, you can connect with Anick here: https://www.viderefinancial.com/contact

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Get your free verifiable CPD for this episode here >>> https://www.dentistswhoinvest.com/videos/fact-or-fiction-is-the-sp500-the-best-index-to-invest-in-with-anick-sharma

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“Just put your money in the S&P 500” – it’s the internet’s favourite investing advice. But does it actually hold up? In this eye-opening episode, financial planner Anick Sharma joins us to unpack the truth behind this popular mantra.

We break down what the S&P 500 really is – not simply the 500 largest US companies, but only those that meet specific profitability and liquidity rules. This subtle detail has major implications for investors who assume they are getting full exposure to the US economy.

Anick shares compelling global data that shows how market leadership constantly shifts. The top-performing country one year often ends up among the worst the next. With the US making up about 61% of global market capitalisation, focusing solely on it means missing nearly 40% of global investment opportunities.

We also explore factor-based investing – a research-backed approach that focuses on value, profitability, and size. One strategy highlighted in this episode would have turned £10,000 into £151,000 from 1994 to 2023, outperforming traditional global portfolios.

For those preparing for retirement or major financial goals, Anick offers a three-part framework that balances returns, volatility, and emotional comfort – a refreshing alternative to one-size-fits-all investing.

Tune in now to learn why the smartest investors think beyond the S&P 500 and how you can too.

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Disclaimer: All content on this channel is for education purposes only and does not constitute an investment recommendation or individual financial advice. For that, you should speak to a regulated, independent professional. The value of investments and the income from them can go down as well as up, so you may get back less than you invest. The views expressed on this channel may no longer be current. The information provided is not a personal recommendation for any particular investment. Tax treatment depends on individual circumstances and all tax rules may change in the future. If you are unsure about the suitability of an investment, you should speak to a regulated, independent professional. Investment figures quoted refer to simulated past performance and that past performance is not a reliable indicator of future results/performance.

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Need help with car finance? Reach out to Ammar Farishta here >>> https://dentistswhoinvest.com/car-finance

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Thinking about financing a new vehicle as a dentist in 2025? Whether you're considering an electric car, leasing through your limited company, or planning for your next business vehicle, this episode breaks down everything you need to know about car finance in the current landscape.

We explore the latest changes to electric vehicle (EV) taxation. From April, EVs now attract a £10 vehicle tax in the first year, followed by a £195 annual charge. While EVs were once tax-free, the government has gradually reduced incentives. However, there is good news – the previously planned luxury tax on EVs costing over £40,000 has now been scrapped, making premium electric cars more affordable for professionals.

One of the biggest developments for dental professionals is access to car finance for new limited companies. Traditionally, dentists had to wait over 12 months before applying for vehicle finance through their business. Thanks to new provider partnerships, it is now possible to lease vehicles earlier – even within the first year of trading. While early finance may come with higher rates, refinancing after six to nine months can unlock more competitive terms once your business credit improves.

The episode also provides important updates on lead times for factory-ordered vehicles. With production times stabilising post-COVID, custom orders typically take 12 to 16 weeks – so if you're targeting the new September '75 plate, now is the time to act.

Tune in to learn how to maximise your options and make smarter decisions when financing a car as a dental professional. Whether you're buying new, used, or leasing through your company, this episode gives you the up-to-date insight you need to get the best deal.

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Disclaimer: All content on this channel is for education purposes only and does not constitute an investment recommendation or individual financial advice. For that, you should speak to a regulated, independent professional. The value of investments and the income from them can go down as well as up, so you may get back less than you invest. The views expressed on this channel may no longer be current. The information provided is not a personal recommendation for any particular investment. Tax treatment depends on individual circumstances and all tax rules may change in the future. If you are unsure about the suitability of an investment, you should speak to a regulated, independent professional. Investment figures quoted refer to simulated past performance and that past performance is not a reliable indicator of future results/performance.

Send us a text

You can download your FREE report on how you can avoid financial mistakes as a dentist using the link just here >>> dentistswhoinvest.com/podcastreport

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Is the UK still a global investment powerhouse, or has it fallen behind? In this insightful episode, financial author and fund manager Andrew Craig uncovers the key reasons why the UK economy and stock market have underperformed in recent decades — and why that could be about to change.

UK GDP per capita has remained flat for 30 years, while countries such as Ireland, Singapore and Australia have more than doubled their wealth. Since 2007, the London Stock Exchange has lost half its listed companies, and major firms continue to seek listings abroad. Across the UK, even affluent high streets are struggling, with empty shops and declining footfall.

Yet Andrew reveals a surprising turnaround. Despite the gloom, UK value stocks have begun to outperform the S&P 500. Institutional investors are once again showing strong interest in British equities, driven by valuations that are up to 60 percent lower than their US counterparts. With sentiment shifting, the UK is now viewed as one of the best value markets globally.

We explore why less than five percent of UK adults invest through a stocks and shares ISA, despite historical data showing UK microcaps returned 16.4 percent annually between 1955 and 2021. Andrew outlines a straightforward strategy for building wealth, including the widely endorsed "100 minus your age" asset allocation rule, and explains how financial literacy can uplift not just individuals, but the economy as a whole.

This episode also examines what needs to change in government policy to restore the UK's investment appeal and whether the next bull market could emerge before broader economic recovery takes hold.

If you are a UK investor looking to understand current market dynamics, uncover long-term value opportunities, or improve your personal investment strategy, this episode is essential listening.

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Disclaimer: All content on this channel is for education purposes only and does not constitute an investment recommendation or individual financial advice. For that, you should speak to a regulated, independent professional. The value of investments and the income from them can go down as well as up, so you may get back less than you invest. The views expressed on this channel may no longer be current. The information provided is not a personal recommendation for any particular investment. Tax treatment depends on individual circumstances and all tax rules may change in the future. If you are unsure about the suitability of an investment, you should speak to a regulated, independent professional. Investment figures quoted refer to simulated past performance and that past performance is not a reliable indicator of future results/performance.

Send us a text

You can download your FREE report on how you can avoid financial mistakes as a dentist using the link just here >>> dentistswhoinvest.com/podcastreport

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What does it take to grow a single dental practice into a network of 150 clinics across multiple countries? Dr Sandeep Kumar shares his journey from a newly requalified dentist in the UK to the founder of one of the most recognized Invisalign-focused dental networks in Europe.

After qualifying in India and requalifying in the UK in 2000, Sandeep quickly purchased his first practice and expanded it from one to six surgeries within a few years. But the pivotal moment came in 2017 when he made the bold decision to step away from clinical dentistry entirely. Rather than causing his income to drop, this shift gave him the space to lead strategically and grow faster.

This episode uncovers the mindset shifts and strategic pivots behind that decision. Sandeep reflects on the early grind of entrepreneurship, the evolution of dental marketing from traditional ads to digital platforms, and the importance of focusing on data and trends. One key insight came when he realized patients were asking specifically for Invisalign, revealing an untapped opportunity to structure a business around a single treatment.

Sandeep outlines three essential principles for dentists looking to grow: build a team of exceptional people, use technology to improve patient understanding, and invest in your personal brand. As more patients search online before choosing a provider, your digital presence is becoming just as important as your clinical skills.

Whether you’re an associate dreaming of ownership or a principal ready to scale, this episode offers a practical roadmap for building a business that extends far beyond the dental chair.

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Disclaimer: All content on this channel is for education purposes only and does not constitute an investment recommendation or individual financial advice. For that, you should speak to a regulated, independent professional. The value of investments and the income from them can go down as well as up, so you may get back less than you invest. The views expressed on this channel may no longer be current. The information provided is not a personal recommendation for any particular investment. Tax treatment depends on individual circumstances and all tax rules may change in the future. If you are unsure about the suitability of an investment, you should speak to a regulated, independent professional. Investment figures quoted refer to simulated past performance and that past performance is not a reliable indicator of future results/performance.

Send us a text

Get your free verifiable CPD for this episode here >>> https://www.dentistswhoinvest.com/videos/dental-practice-market-outlook-2025-with-mr-luke-moore

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Curious about dental practice values in today's market? Wonder what's really happening with corporate buyers and whether NHS practices still command premium prices? The data might surprise you.

Luke Moore, Head of Dental Elite's practice brokerage team, joins us to unpack the revealing findings from their annual dental market report—a comprehensive analysis representing roughly 25% of all UK dental practice transactions. This insider's view of completed sales (not just valuations) delivers eye-opening insights for anyone considering buying or selling a practice.

We dismantle the prevailing "urban myth" that corporates dominate today's acquisition landscape. The reality? Independent dentists purchasing their first, second or third practices remain the primary buyers, while the largest groups have pivoted toward fewer, larger acquisitions with specific strategic focus.

The conversation explores why mixed practices command the highest multiples from independent buyers (averaging 3.87x FMT), while private practices are the "jewels in the crown" for corporate buyers (averaging 7.36x EBITDA). Luke shares fascinating details about regional valuation disparities, with practices in recruitment-challenged areas selling for significantly lower multiples than their urban counterparts.

Perhaps most revealing is the emerging trend of sellers prioritising complete payment at completion over potentially higher valuations with deferred components—a shift Luke attributes partly to mixed post-sale experiences reported by principals who've previously sold to larger groups.

Whether you're a practice owner contemplating your exit strategy, an associate exploring ownership opportunities, or simply interested in the business of dentistry, this data-rich conversation provides crucial context for navigating today's complex dental marketplace.

Earn complimentary verifiable CPD by completing the associated assessment through the link in our show notes.

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Disclaimer: All content on this channel is for education purposes only and does not constitute an investment recommendation or individual financial advice. For that, you should speak to a regulated, independent professional. The value of investments and the income from them can go down as well as up, so you may get back less than you invest. The views expressed on this channel may no longer be current. The information provided is not a personal recommendation for any particular investment. Tax treatment depends on individual circumstances and all tax rules may change in the future. If you are unsure about the suitability of an investment, you should speak to a regulated, independent professional. Investment figures quoted refer to simulated past performance and that past performance is not a reliable indicator of future results/performance.

Send us a text

You can download your FREE report on how you can avoid financial mistakes as a dentist using the link just here >>> dentistswhoinvest.com/podcastreport

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What if you could travel back in time and share financial wisdom with your younger self? While time travel remains out of reach, education offers a powerful alternative—pulling future knowledge into your present reality.

Having reflected deeply on my own financial journey, I've identified ten crucial money perspectives I wish I'd embraced earlier in life. These aren't just abstract theories but transformative mindset shifts that could dramatically accelerate your wealth creation.

The first revelation might surprise you: the greatest investment risk isn't investing at all. We've normalized spending without hesitation while approaching investing with excessive caution—a backwards approach when you consider that spending guarantees loss while investing at least offers potential returns. Similarly, understanding that "market declines are temporary while advances are permanent" provides crucial context for weathering financial storms. When you zoom out from sensationalized headlines about "crashes," the consistent upward trajectory of quality assets becomes undeniable.

Perhaps most liberating is recognizing money as a human invention—a social construct that allows us to question whether our financial beliefs truly serve us. This applies to how we view sales conversations (potential value exchanges rather than uncomfortable interactions), time-money relationships (building "money trees" for recurring income), and the misleading belief that hard work automatically equals financial success (strategy matters more than hours).

By developing high-leverage skills like business management, coding, and sales, you can create disproportionate returns on your time investment. And remember: your circle largely determines your success, so intentionally seek diverse perspectives from those achieving what you aspire to create.

Ready to transform your financial future? Start by questioning which of these money perspectives might be holding you back. Your future self will thank you.

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Disclaimer: All content on this channel is for education purposes only and does not constitute an investment recommendation or individual financial advice. For that, you should speak to a regulated, independent professional. The value of investments and the income from them can go down as well as up, so you may get back less than you invest. The views expressed on this channel may no longer be current. The information provided is not a personal recommendation for any particular investment. Tax treatment depends on individual circumstances and all tax rules may change in the future. If you are unsure about the suitability of an investment, you should speak to a regulated, independent professional. Investment figures quoted refer to simulated past performance and that past performance is not a reliable indicator of future results/performance.

Send us a text

You can download your FREE report on how you can avoid financial mistakes as a dentist using the link just here >>> dentistswhoinvest.com/podcastreport

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Wealth often feels like it belongs to a lucky few, but after reading over 50 books on money and success, I discovered the truth. The path to financial freedom is simpler than you think, though it often goes against conventional advice.

Books like Rich Dad, Poor Dad, The Psychology of Money, and many lesser-known gems all point to the same core idea: leverage. Whether through people, money, systems or content, wealthy individuals find ways to get more done with less effort.

We explore MJ DeMarco’s concept of the sidewalk, slow lane and fast lane, showing why so many people stay stuck financially. We also dive into Robert Kiyosaki’s Cashflow Quadrant and practical tools from Who Not How and Traction to help you take real action.

If you want to shift from working harder to building true wealth, this episode lays out the key principles that actually move the needle.

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Disclaimer: All content on this channel is for education purposes only and does not constitute an investment recommendation or individual financial advice. For that, you should speak to a regulated, independent professional. The value of investments and the income from them can go down as well as up, so you may get back less than you invest. The views expressed on this channel may no longer be current. The information provided is not a personal recommendation for any particular investment. Tax treatment depends on individual circumstances and all tax rules may change in the future. If you are unsure about the suitability of an investment, you should speak to a regulated, independent professional. Investment figures quoted refer to simulated past performance and that past performance is not a reliable indicator of future results/performance.

Send us a text

If you’d like to discuss your finances with a professional, you can connect with Luke and Anick here: https://www.viderefinancial.com/contact

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Get your free verifiable CPD for this episode here >>> https://www.dentistswhoinvest.com/videos/how-to-achieve-the-best-exit-number-for-your-dental-practice-with-luke-hurley-anick-sharma

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Are you holding onto your dental practice longer than needed? The quest for the "highest valuation" might actually be costing you precious years of freedom.

In this illuminating discussion, financial planners Luke Hurley and Anik Sharma reveal the critical distinction between maximizing practice value and achieving your personal financial independence. Through real-world examples and comprehensive cash flow modeling, they demonstrate how dentists can determine their actual "number" – the amount needed to fund their desired lifestyle without financial constraint.

The conversation challenges conventional wisdom about retirement age and practice exit timing. Rather than clinging to arbitrary targets or industry benchmarks, our experts walk through how to reverse-engineer your financial needs, taking into account existing assets, pensions, and investment portfolios. This approach often reveals that many practice owners are already closer to financial freedom than they realize.

Financial planning software vividly illustrates how even modest practice valuations, combined with accumulated wealth in pensions and investments, can provide sustainable income well beyond traditional retirement age. The discussion includes important considerations around sequence risk, tax optimization, and the psychological aspects of transitioning away from practice ownership.

Perhaps most valuable is the exploration of what retirement actually means in today's world. Far from the outdated concept of "being put out to pasture," financial independence offers the freedom to choose how you spend your time – whether that's continuing clinical work on your terms, pursuing new business ventures, dedicating time to family and travel, or exploring entirely new passions like the former solicitor who became a flight instructor.

Ready to discover your number and gain the clarity that comes with knowing exactly when you could sell your practice? Listen now and claim your free verifiable CPD by completing the questionnaire through the link in the description.

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Disclaimer: All content on this channel is for education purposes only and does not constitute an investment recommendation or individual financial advice. For that, you should speak to a regulated, independent professional. The value of investments and the income from them can go down as well as up, so you may get back less than you invest. The views expressed on this channel may no longer be current. The information provided is not a personal recommendation for any particular investment. Tax treatment depends on individual circumstances and all tax rules may change in the future. If you are unsure about the suitability of an investment, you should speak to a regulated, independent professional. Investment figures quoted refer to simulated past performance and that past performance is not a reliable indicator of future results/performance.

Send us a text