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.
A 2022 study tracked investors who checked portfolios daily vs. quarterly. The daily checkers traded 4x more and earned 2% less annually. The news made them worse.
Loss aversion. Recency bias. Overconfidence. The psychology research identifies 17 biases that cost investors money. Most are impossible to see in yourself.
Miss the 10 best days in any 20-year window: your return drops 50%. Seven of those 10 best days happened within two weeks of the 10 worst. You can't selectively miss one.
DALBAR's 2024 study: S&P 500 returned 9.65% annualized over 30 years. The average investor got 5.5%. The gap is entirely behavioral.
Vanguard studied 70 years of data: lump-sum beats DCA 68% of the time. It also loses badly the other 32%. Which matters more depends on why you're investing.
I-Bonds have an annual $10,000 limit. TIPS have no limit but track CPI differently. Series EE doubles in 20 years guaranteed. Each wins in one specific scenario.
Ten Treasuries with maturities 1-10 years. As each matures, you reinvest at the current 10-year rate. Rates rise? You benefit. Rates fall? You already locked in.
The worst 60/40 year in history was 2022: down 16%. Then 2023 returned 17%. The framework isn't broken — it just requires patience most don't have.
Quarterly rebalancing costs taxes and trading fees without improving returns. Annual rebalancing at 5% bands is the sweet spot the research actually supports.
110 minus your age was the old rule. At 40 that's 70% stocks. With longer lifespans and lower bond yields, the right number for most is 85-90%.
Work 20 hours per week for benefits, live on passive income the rest. It's not a sexy answer, but it solves the pre-65 healthcare cliff that kills most early retirement plans.
Two retirees with identical 7% average returns can end up with wildly different outcomes — just by the order the returns come in. Early losses are devastating.