Your weekly coach report
Week to 5 November 2026. Short on purpose. Read it with a cup of tea and then get on with your day.
Three things you learned
- 0 warnings were proved against a real filing — and 2 looked worrying but couldn't be proved, which is just as useful to know.
- Doing nothing is a decision, and most weeks it is the right one.
- Every fact on this desk links to the document it came from. If a claim has no link, treat it as a rumour.
Three risks to watch
- Concentration: check the X-ray for how much sits in one company, one industry and one country.
- Charges never take a week off. A 1% yearly charge quietly costs £100 on a £10,000 pot, good year or bad.
- Anything urgent, secret or guaranteed is a warning sign, not an opportunity.
Three words explained
Market cap
What the whole company is worth today: price per share times the number of shares.
Why it matters
It tells you whether you're looking at a giant or a minnow.
For example
£5 a share × 1 billion shares = a £5 billion company.
Beginner warning
Tiny companies swing hardest and are hardest to sell. Beginner mode leans large.
P/E ratio
How many years of current profit you're paying for one share.
Why it matters
A rough sanity check on whether something looks cheap or dear.
For example
A £20 share earning £2 a share has a P/E of 10.
Beginner warning
Cheap is often cheap for a reason. A low P/E can mean the profits are about to fall.
ETF
A ready-made basket of lots of companies that you buy and sell like one single share.
Why it matters
One purchase spreads your money over hundreds of companies, so no single disaster wipes you out.
For example
Put £100 in a FTSE 100 ETF and you own a sliver of all 100 of those companies at once.
Beginner warning
A basket still falls when the whole market falls. Spread out is not the same as safe.
This week's market lesson
Why do companies join the stock market at all?
Mostly to raise money to grow — and to let early owners sell some of their slices.
One mistake to avoid
Buying something because it has already gone up a lot. That is a story about the past, not evidence about the future.
One calm next step
Write one diary note about any practice trade — even a single sentence.
System health check
- Last automatic run: 05/11/2026, 13:06:49 · healthy
- Write-ups this week: 0
- Warnings raised this week: 2
- Practice trades this week: 0
- Diary notes this week: 0
Education and practice only. No predictions, no personal recommendations, and no real money anywhere in this app.