Investing, taught one step at a time.
A structured programme of ten one-to-one sessions with Niral Joshi, designed to give you a clear understanding of long-term investing and a plan you can manage with confidence.
- 10 × 1-hour sessions
- Zoom, Teams or in person
- £1,600 or 3 monthly payments
“Most people don’t fail because they can’t. They fail because they never start.”
Successful investing is rarely about timing or selecting the next opportunity. It rests on consistency, discipline and time, and on taking the first considered step.
Why many people delay investing
Concern about losing money
The programme begins with how risk works, why markets fall and how long-term investors manage periods of volatility, so that short-term movements can be seen in context.
No formal education in investing
Investing is rarely taught in school. The programme assumes no prior knowledge and introduces each concept in a clear, logical order.
Complex terminology and conflicting information
ISAs, ETFs, index funds and platforms are explained in plain English with practical examples, within one structured programme.
Postponing the decision
Scheduled sessions and regular check-ins provide the structure needed to turn intention into a consistent long-term habit.
Markets rise and fall. Time does the work.
Markets do not move in a straight line: some years fall and others rise sharply. Over long periods, regular monthly investing has historically smoothed out these fluctuations, and returns begin to generate returns of their own. This is the effect of compounding.
- Contributions
- Steady 7% illustration
- Simulated market: up and down years
- Total contributed
- £48,000
- Compound growth
- £56,185
- Illustrative value
- £104,185
- Negative years in this simulation
- 3 of 20
Simulated, not real market data. Illustration only, not a prediction: assumes 7% a year on average with typical ups and downs, compounded monthly, with no fees or tax. Investing puts your capital at risk. The value of investments can go down as well as up, and you may get back less than you put in. Past performance is not a reliable guide to future results.
Ten sessions. A plan of your own.
Each session builds on the last. By the tenth, you will understand what you hold, why you hold it, and how to manage your plan independently.
- One-to-one
- Individual sessions with Niral, never group webinars.
- Online or in person
- Zoom, Teams, or face to face where location allows.
- Personalised feedback
- On your goals, your accounts and your progress.
- A structured curriculum
- From first principles to managing your own plan.
- Lifetime community
- Access to a private Telegram group for clients.
- Support between sessions
- Questions can be answered between scheduled sessions.
£1,600
or 3 monthly payments of £533.33
Meet Niral Joshi.
Niral built his own portfolio through regular investing, low-cost funds and a disciplined long-term approach.
He now works one-to-one with people who want to begin investing properly, with structured support at every stage.
Client experiences
Read client experiences“I’d been putting it off for years. Now I invest every month and I understand my ISA.”
“Niral helped me make sense of the old ISAs I’d collected and bring everything into one place I can manage myself.”
Individual experiences, not typical results. Investing puts your capital at risk. The value of investments can go down as well as up, and you may get back less than you put in. Past performance is not a reliable guide to future results.
Begin with a free 20-minute consultation.
An initial conversation, without obligation, to discuss your position and whether the programme is suitable for you.