Topic
Investing
You don't need to pick stocks. You don't need to time the market. You need a boring, diversified portfolio and the patience to leave it alone. These posts cover the 3-fund portfolio, total market vs S&P 500, asset allocation by age, and the math on why active management almost never beats the index. If you're starting from zero or finally taking this seriously after years of "I'll set that up later," start here.
18 articles in this topic.
Featured posts
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I Bonds and TIPS
A normal bond fund does nothing when inflation spikes: the coupon is fixed and inflation eats it. I Bonds and TIPS exist to solve exactly that problem.
11 min read -
Betterment vs Wealthfront vs DIY
Betterment and Wealthfront charge about 0.25% to automate a portfolio you could build yourself for less. The real dollar cost, and who it is worth paying for.
10 min read -
Rebalancing: When and How
Rebalancing is risk control, not a return booster. How drift actually happens, the calendar-plus-band approach, and how to do it without a big tax bill.
11 min read -
Mortgage Payoff vs Investing
Extra principal or invest the difference? Compare your mortgage rate to your after-tax return first, then let liquidity, taxes, and psychology break the tie.
9 min read -
Where to Park Cash
Cash sitting in a big-bank checking account earning near nothing is the most common, most fixable money leak for high earners. Here's where it should go.
11 min read -
Rent vs Buy: The Actual Math
Renting isn't throwing money away. Most of an early mortgage payment is interest, which is money you never get back either. Here is the real rent-vs-buy math.
9 min read
All Investing articles
- I Bonds and TIPS
- Betterment vs Wealthfront vs DIY
- Rebalancing: When and How
- Mortgage Payoff vs Investing
- Where to Park Cash
- Rent vs Buy: The Actual Math
- A Roth IRA for Your Kid
- The 0% Capital Gains Bracket
- Lump Sum vs Dollar-Cost Averaging
- Bonds: When to Actually Add Them
- Do You Need International Stocks?
- Financial Order of Operations
- Fidelity vs Vanguard vs Schwab: Pick One
- Total Market vs S&P 500: Does It Matter?
- Asset Allocation by Age: A Practical Guide
- Tax-Loss Harvesting: Free Money (Sort Of)
- Why Index Funds Beat Active Management
- The 3-Fund Portfolio: All You Need