An educational resource for people who want to invest wisely—without unnecessary complexity or “secret strategies.” The site breaks down the mechanics of investing: index funds, dividend-paying stocks, tax optimization, retirement accounts, and real estate as an investment vehicle.
Beyond the expense ratio: trading costs, tax inefficiency, and style drift. The total drag averages 2.3% per year. Your broker won't tell you this.
A 1% expense ratio sounds small. Over 35 years of compounding, it's a $300,000 paycut. The math shows why 0.03% funds are non-negotiable.
All three track big US stocks, but the differences matter for taxes, minimum buy-ins, and how you actually invest monthly.
VTSAX, VTIAX, VBTLX. Three funds, 10 minutes a year, historically competitive with the managed stuff. Here's why simple wins.