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.
Bitcoin might go to $500,000 or $0 — the honest answer is nobody knows. At 1-5% of portfolio, either outcome is survivable. At 30%, the bad case is career-ending.
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%.
The 2055 fund is probably your default. It's also holding 15% bonds you don't need at 35, and charging 0.65% for the privilege. The math says rebuild it.
Vanguard says 40%. Buffett says 0%. The historical data says the answer depends on a question most investors skip.